Can my insurance company refuse to renew my policy?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 8, 2012

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Insurance Question from Midland, TX

Asked on 03/08/2012

Can my insurance company refuse to renew my policy? There years ago I had an insurance claim after a hail storm. They were allowing for replacement and repairs to my roof, gazebo, grill, and repairs to my A/C unit. They gave me partial payment at that time and would give me the balance once all the work was completed. I replaced the deck, gazebo, grill, and got the A/C unit repaired. I did not replace the roof and therefore did not receive the balance check either. I'm now being told, that because I have not replaced the roof , my policy will not be renewed. What do I need to do?

Answer given on March 13, 2012

If your roof was damaged by a hail storm and the insurance company was willing to pay to replace the roof, then it is expected for you to make those repairs. If the repairs are not done, you could have extensive damage to the interior of the home after the next storm. The insurance company does not want this exposure, so they have decided to non-renew your insurance policy.You could probably go ahead and replace the roof now, and the insurance company may be willing to pay for the additional costs over what they had given you versus the full replacement cost of the roof. You should find this out before you start on the repairs, just so you will be aware if you will get any additional reimbursement from the company or not.If you are non-renewed you will find it very difficult to get replacement insurance with another insurance company due to the condition of the roof and the fact tht you were non-renewed.

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