- When can an insurance company cancel my homeowner’s coverage during the policy term?
Generally, your policy can be canceled for these reasons:
- Non-payment of premium
- Material misrepresentation / fraud
- Breaches of contractual duties by the insured
- Physical changes in the property which result in the property becoming uninsurable (except if the insurer should have reasonably foreseen the change or contemplated the risk when writing the policy)
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- 1.The insurance company has non-renewed my homeowner's policy. Can they do that?
- 2.I just took out a new homeowner's policy and the company has notified me they are going to cancel my policy. Can they do that?
- 3.When can an insurance company cancel my homeowner’s coverage during the policy term?
- 4.I have had my homeowner's policy for five months and now the insurance company says they are going to cancel because I had claims with another company. Can they do that?
- 5.I have a homeowner's policy. Is my home covered for damages caused by high winds or tornadoes?
- 6.Am I covered for wind damage if I have a mobile home policy?
- 7.Will the damages, caused to my home by flood or rising water, be covered under my homeowners policy?
- 8.What must I do after a loss occurs to my home or other property?
- 9.How long should I wait for the insurance company to handle my homeowner's claim?
- 10.Will my insurance policy pay for my family to live somewhere else while my damaged home is being repaired?
- 11.If the insurance company and I cannot agree on the amount that it will take to repair my home, do I have to file suit?
- 12.Are deductibles required and, if so, what are they?
- 13.My house was completely destroyed by fire. I'm trying to collect on my personal property that I had in the house, but the insurance company is telling me I need an inventory. Can they do that?
- 14.Our sump pump failed and the insurance company is denying our claim because the water backed up through our sewer. Can they do this?
- 15.My boat was stolen and now my insurance company will not pay the claim on my homeowner’s policy. Can they deny my claim?
- 16.During a storm, a tree from my neighbor’s yard fell and destroyed my fence. Does my homeowner’s policy pay for the damage or does my neighbor’s policy?
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