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: Oct 12, 2011

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Insurance Question from Pulaski, TN

Asked on 10/12/2011

I had a complete loss because of a unknowned caused fire.Bought another property, but can not get homeowners insurance. What can I do ??? NULL

Answer given on October 24, 2011

When you have had a loss on your homeowner insurance, especially if it is a total loss, many insurance companies will not offer insurance to you for three years. Sometimes the current insurance company will be willing to keep you as a client but it is not guaranteed.If the cause of loss is unknown, this can complicate the issue. You should contact your agent and/or the adjuster to see if they have any information that could help you determine the cause of loss. This could work in your favor while looking for other insurance.If your current insurance company will not write your insurance, you may need to look for a specialty insurance company which specializes in difficult to insure risks. There are independent insurancee agents who have access to these types of insurance companies. You may also be required to accept a higher deductible and possibly a limited policy. Your agent should be able to explain what is available for you. You should only have to use this type of company til the original loss is three years old.


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