What can I do when the insurance company cancels the policy due to too many people in the house?

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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 12, 2015

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Insurance Question from Merritt Island, FL

Asked on 11/12/2015

What can I do when the insurance company cancels the policy due to too many people in the house? I have an investment property that in not even one month old. We were required to do some repairs as part of the policy application and approval process. We remedied all the issues listed on the 4 point inspection report and we met the deadline for the re-inspection. I just found out on the day after the inspection that my home owner's insurance was cancelled by the company because there was no electricity and there were too many people in the house, and there were too many mattresses counted on the floor. I do not have the inspection report. What can I do now to reinstate the policy? Evict?

Answer given on November 14, 2015

If the insurance company has cancelled your insurance due to the issues you have stated, the only option is to speak with the insurance company to see if they will reinstate if you remedy the issues they listed. It is hard to believe that you would be renting out a home that does not have electricity, unless it is the responsibility of the tenants. If that is the case, you should start eviction proceedings, since you probably did not authorize the additional people in the home and the person on the lease is not maintaining the home as would be expected. It may take time to evict, so see if the insurance company will give you time to remove the tenants. You may be able to get the additional people out quickly, but the renter, on the lease, may take longer. You may want to see if you can get the power turned back on, if that will help satisfy the insurance company.

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