I have quite a bit of damage from Hurricane Ian to my house. I filed a claim with my insurance company and filed a claim with FEMA already. My insurance company sent me a letter earlier this year saying they were not going to renew my insurance because my roof was old. My insurance policy expires in less than 1 month, on November 22nd. I got quotes for a new roof so I could get new insurance already but the hurricane hit before I could get the work done. I also have other damage to metal, trim, screens, A screened in porch, a screen door trees, etc. and a shed was completely destroyed.
My question is what happens when my insurance runs out next month? There is no way I’ll get the damage repaired before my policy runs out so how do I get insurance with all of this damage to my house? Can the mortgage company cancel my mortgage because I can’t get insurance due to hurricane damage? If the insurance company doesn’t give me enough to get the damage fixed I’ll have to escalate the claim which takes even more time, so at what point am I going to lose my house?
Thank you for any help you can give me understanding my rights here.