changes (unknown to me) to my homeowner insurance 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: May 20, 2012

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Insurance Question from Country Life Acres, MO

Asked on 05/20/2012

changes (unknown to me) to my homeowner insurance policy I purchased a new home 2 years ago and along with it purchased homeowner's insurance through Traveler's. Recently I made a claim for hail damage to the roof and was told that my deductible would be $2500. I checked my file on-line and indeed it does say $2,500. However my original paper policy clearly indicates $1,000. I have not contacted nor had any interaction with Traveler's since the home purchase. Can they increase the amount of my deductible without my knowledge?

Answer given on May 26, 2012

If you originally purchased a homeowner policy with a certain deductible, in this case $1,000 and the insurance company changed the deductible, they must notifiy you of such a change. In addition, the change cannot be made in the middle of the policy term.You should call Travelers, or your agent and try to find out what happened and why. The insurance company will have to have a copy of any letter that was sent to you advising you of the deductible change. If the agent made the change, there should be some sort of documentation that this was discussed with you and when it was discussed. If the agent or the insurance company cannot provide proof of any notification of change, then you have the right to make the deductible be changed back, as long as you pay the premium difference. If they refuse to make this change you may have to go to the Dept of Insurance to have them handle this.

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