cancellation of insurance.

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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: Nov 11, 2014

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Insurance Question from Charlotte, NC

Asked on 11/11/2014

cancellation of insurance. I have insurance on my rental property. The roof leaked because shingles were torn off during a storm. The insurance adjuster claimed that the roof was old and it was not due to storm. Also, found several other things that needed to be done to house including trees being cut and fixing the water leak that was caused by storm and roof leak. They have sent me a cancellation letter for 11/18/14. What are my options?

Answer given on November 11, 2014

If there was a recent storm and shingles were blown off your roof, thus causing interior damage to the home, the insurance company should accept liability and make repairs to the interior. If the roof was old, they can depreciate the roof and you could end up with no coverage to the roof.During the inspection, the adjuster could find additional issues, which they apparently did and reported to the underwriter who then decided to cancel the insurance.Each state has different rules regarding cancellation of a policy. Some states will only allow non-renewal of the insurance policy at the renewal date, after giving a 60 day notice to non renew. If there is a “substantial change in risk” then insurance companies can be allowed to cancel the policy mid term with a notice of 15 to 30 days.You should contact your agent or insurance company. See if they will give you additional time to make necessary repairs to the home and not cancel the insurance. If they refuse, you will have a hard time replacing the insurance until further repairs are made. You should start such repairs immediately no matter what so you can get insurance in place.

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