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I live in a wildfire risk area of CA for insurance purposes.
The insurance companies that have policies look for reasons to cancel them. They state things like a tree that is 3 houses away and not on your property is too large or the road is not acceptable, even though its a County road.
Many people now get their insurance through non-admitted sources such as Lloyd's of London.
And when you can get insurance the rates are horrid. Mine is $3000 a year with $10k deduction and insured at 40% coverage.
Real sad situation.
But, yep everyone will insure your car.
We had a major flood here. We had insurance company's that started messing, not paying much, trying to get out of paying. Jerking their customers around.
Our local folks started calling our state insurance commissionaire, the insurance commissionaire demanded an audience, head guy had to fly in...Rumor has it..they were told to get it together, or possibly not be able to sell insurance in our state again. Made a huge difference.
So, if it were me I would be on the horn to my state level Insurance Commissionaire about what you've described. Hope it helps
Something similar happen to us after we closed this past October. The insurance company came back and said the porches on the home and the rental cabin needed handrails put up and we had to install central a/c & heat. It's a mountain cabin, it's not going to have central a/c & heat, so they cancelled us. We did find a new company who still required the rails which cost us about $10K, but we did go with the log rails to match so materials were pricey.
Shop other insurance companies. Many do the inspection beforehand. I once was canceled for no deadbolt locks. Shop, it will pay off. But before you do, get a roofer to inspect your roof for insurance purposes. (And say you need written documentation of the inspection). Send it to your insurance company while shipping. This way, if asked, you can say the current company is bat guano crazy.
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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Our insurer did an inspection, but did at least notify us ahead of time. They threatened to cancel due to the "unpermitted installation of a wood stove". We had no such thing, they saw the vent pipe from the gas furnace and water heater, which has over the years lost it's paint near the top and thought it was a woodstove chimney. A simple call to my local agent resolved the problem.
When I sold a house here in CO. they made me get a new roof prior to the sale.
I had "t-lock" shingles and those are no longer allowed by insurance companies. Insurance for the new owner would not have been allowed with the old t-lock shingle roof.
We had a major flood here. We had insurance company's that started messing, not paying much, trying to get out of paying. Jerking their customers around.
Our local folks started calling our state insurance commissionaire, the insurance commissionaire demanded an audience, head guy had to fly in...Rumor has it..they were told to get it together, or possibly not be able to sell insurance in our state again. Made a huge difference.
So, if it were me I would be on the horn to my state level Insurance Commissionaire about what you've described. Hope it helps
I was a Commercial Underwriter for Farmers Insurance and finally quite the insurance business a few years ago.
The primary purpose of insurance companies is to NOT PAY CLAIMS!!
Needless to say it left a bad taste in my mouth and that is why I quit the business.
Does that hold true in Florida even if the home owner used impact-resistant 40 year shingles, or a metal roof? Because if the insurance companies are going to insist those products be replaced every 15 years, MAN is that going to be expensive!
It would be deeply ironic if rigid insurance industry rules resulted in people actually being forced into re-roofing with inferior, less durable materials. So much for cost savings!
No, the insurance companies "beef" is with shingle roofs over 15 years old
you can have a 100 year old metal or tile roof and they have no problem with that
I do not know how most insurance companies treat impact-resistant 40 year shingles, I doubt they recognize any difference once they are 15 years old ..... shingles are shingles etc
I was a Commercial Underwriter for Farmers Insurance and finally quite the insurance business a few years ago.
The primary purpose of insurance companies is to NOT PAY CLAIMS!!
Needless to say it left a bad taste in my mouth and that is why I quit the business.
Sounds to me like everyone needs to shop the Cincinnati Insurance Companies. Their claim philosophy is make the customer happy so they tell others. They figured out that the amount of revenue lost from customers who cancel their policies over skimpy claim payouts is way more than paying a claim in full.
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