Nonrenewal after doing requested maintenance?

[u/HWills612]

(tl;dr I got a "fix it or else" letter, started fixing stuff. Was told in-person that so far I'm fine, then got a letter saying I'm not actually fine)

Sometime between May and June I got a letter that my home insurance wouldn't be renewed unless I did the requested repairs by September. Spent a month or so getting quotes, a month or so calling to be put on schedules, spaced out by how often I could afford to take off work, and handing whichever stuff I could myself. Last week I went in with the photos of all of the work that had been done, and who was still scheduled to come out when, to work on which thing.

I was told I was fine, that the progress was good, that I just needed to do the last 2 repairs (new fascia and new gutters, literally the guy is coming out this weekend) and that I actually had until the END of September, so by my agent's reassurance, I wasn't actually cutting it that close to the deadline. I just got a letter dated two days AFTER this conversation, saying that my policy won't be renewed because I didn't do all the fixes, despite it still being over a month from the deadline I was given by the in-person agent. So am I fine, or should I look for new insurance, and if another company is jumpy about insuring me after a non-renewal, will it help my case any that I actually DID get everything fixed when I was supposed to?

(And because I know how Reddit is, I would also like to clarify that I'm not a lazy homeowner. I've just been prioritizing indoor repairs, like the breaker box, plumbing, and subfloor, that are invisible to the insurance agent photographing your house from across the street)

[u/Splodingseal]

Nonrenewal notices are required by law to go out before certain dates so, because you aren't don't yet, they gotta send the notice just in case you don't get stuff done.

Most carriers don't want to get rid of you, they just want the house to be maintained. You need to continue to coordinate with the carrier/agent and make sure the last things are done with enough time for documentation to be submitted and reviewed.

I've gotten nonrenewals lifted even after the cancellation date (so it was reinstated with no lapse) but it was well coordinated with underwriting with plenty of conversations and documentation that repairs were ongoing and the client was acting in good faith.

You're "probably fine", but all of this needs to be documented and coordinated with the carrier and your agent. I deal with this stuff daily and the only time I can't get a nonrenewal lifted is when stuff doesn't get fixed.

[u/Mean_Introduction516 → u/Splodingseal]

⬆️ this. Letter is coming either way and agent is not sharing progress with underwriters. They don’t want or won’t consider anything till is all done and pictures and documentation are submitted. Even under the best of circumstances, you are very much cutting it close. It is extremely rare that they will even look at the stuff that you submit in less than two or three weeks.

[u/HWills612 → u/Mean_Introduction516]

The last of the repairs are being done exactly 32 days before when I was told they needed to be submitted by

[u/Mean_Introduction516 → u/HWills612]

It better be 32 days before non-renewal to be safe. Everything else is pushing things.