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?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Mar 2, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption