Policy Cancellation peter melehan asked 4 weeks ago
Policy Cancellation

I live in Florida and my barrel tile roof was damaged by hurricane Ian. Five roofers all say the roof has to be replaced because of the damage. My insurance provider only paid me for a small fix of the roof for $6,000.

The roof will cost $70,000 to replace. I recently received a letter from the same insurance provider stating they will cancel my insurance this June (2025) unless I have a full roof replacement. This is a complete contradiction on the insurers part. I now have an attorney working on the case. How can I get insurance to satisfy my mortgage company, if my policy is cancelled before the legal action is resolved.  I have called several Citizens agents and the all said they couldn’t write a policy for me with my roof damage. Any suggestions would be very appreciated.

 

1 Answers
Answer for Policy Cancellation United Policyholders Staff answered 3 weeks ago
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Hi Peter, There are several issues here: You are no longer protected by Insurance Office Commissioner’s Order that protects an insured from cancellation or nonrenewal for 90 days after a hurricane or windstorm until the repairs have been made (protection expired in December) but you can still try to contact the Florida Insurance Office of Regulation(FLOIR) and ask for extension of protection if you have evidence of your intents to repair and/or mishandling from your insured. Also, you must obtain new insurance before hurricane season begins in June if not you will be barred from getting coverage until after the season ends in November. If you don’t obtain a new insurance there is a risk that your Mortgage Company will choose one and then it will become a "Force-Placed Insurance" and they will charge for it. These forced placed policy typically have higher insurance premium rates. There are many policyholders in this same situation that do find insurance companies willing to cover even when repairs haven’t been made or there is still a pending prior claim but premiums will be very high. I suggest that you keep shopping around and provide Citizens your research in doing so, as well ask for reconsideration. Many other policyholders have been successful by adding their property to other current insurance companies ("umbrella insurance") they have for their autos etc such as Progressive and Geico. Hope this is helpful.