My Insurance company have written saying they will only reinsure me if I clear the house of junk -Can I get another company instead and be covered?

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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 2, 2012

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Insurance Question from NULL, NULL

Asked on 03/02/2012

My Insurance company have written saying they will only reinsure me if I clear the house of junk -Can I get another company instead and be covered? Previous company visited us to inspect some roof problems. Been told we are not covered for the damage and written to say the house was a fire hazard and unsafe because of all the junk - papers and books. These need to be cleared before they would be prepared to insure us again. Our Bank spoke with my husband and saw the letter. I was called at home and the bank were very pushy about selling the insurance to us. It seems, they are happy to insure us even after seeing the letter. My husband has gone ahead with this but I am now concerned we may not be covered because of the letter.

Answer given on March 05, 2012

Since most insurance companies do not like to take on a policy with someone who has been cancelled or non-renewed, you need to be very careful about the replacement policy. When your husband applied for the new policy, the application should indicate that you were non-renewed by the present insurance company and for what reason. A copy of the application should have been give to you or your husband.If you don’t have a copy of the application, ask the bank or its representative to send you a letter confirming they are aware that the insurance was cancelled or non-renewed by the previous insurance company, or ask for a copy of the application that was sent to the insurance company. Keep this in your records. If they will not provide this letter, then you may have a problem if you do have a loss. A final idea would be to write to the insurance company, not the bank, informing them that you had been non-renewed and want to be sure they are aware of this fact. I’m pretty certain you will get a response.

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