I recently received a letter of denial from an Insurance company. I am looking for new homeowners insurance. The reason I was denied was I had Hail Damage in 2020. I was told that part of the criteria to issue new policies is no claims should have been filed within certain number of years. Can they do that?
Robert Ledesma asked 6 months ago 1 Answers
Dear Robert,
The following is the rule in the state of Texas, regarding non-renewals:
Policy Cancellation and Non-Renewal
“Policy cannot be nonrenewed because of losses caused by natural causes. For other claims, the insured must file three or more claims under the policy in a three-year period. If the insured files two claims in a period of less than three years, the company may notify the insured in writing that filing a third claim may result in nonrenewal. If the insurer does not send this notice, it may not refuse to renew because of claims. Claims closed without payment may not be counted in determining the number of claims.”
For more information, see our publication on insurance consumer rights in Texas.
Best of luck,
Amy Bach
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