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: Jan 31, 2013

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Insurance Question from Chattanooga, TN

Asked on 01/31/2013

Can I get new homeowners insurance with poor credit? I bought a house in 2003 and never had any problems with debt, mortgage or income until I lost my job in January 2011. After six months of seeking employment, I began to experience financial issues because of NO INCOME other than unemployment (which is nothing). I am finally working again and able to meet my obligations. Other than the mortgage, I do not have much debt, but I did get behind of everything for a period of time. My homeowners did not renew at the end of 2010 due to claims, then a tornado came through in spring 2011 and blew the roof off my house. Can I get new homeowners?

Answer given on February 17, 2013

If your homeowner insurance was not renewed due to claims, you could find it difficult to find replacement insurance. The insurance companies look very closely at continuous claims from an insured and the information is shared.You should seek an independent insurance agent. They can access insurance companies that can offer a limited policy. It will include a higher deductible and may not offer the same coverages that the standard homeowner policy does. The costs may be higher too. However, if you can handle the insurance for 3 to 5 years, you should be able to find a less expensive policy.If your home is still damaged due to the tornado, you will have to repair it before any insurance company will be willing to write your insurance. If you unable or unsuccessful in finding insurance, you should contact your lender. They sometimes can ge insurance, for a very high cost, but at least the home will be insured.


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