will a insurance company insure me with pre existing damage

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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: Apr 3, 2013

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Insurance Question from Derry, NH

Asked on 04/03/2013

will a insurance company insure me with pre existing damage my chimney needs repair

Answer given on April 11, 2013

Most homeowner insurance companies do not want to start out insurance on a home that has existing damage. You can advise the company of the issue and see if they will be willing to insure the home before the repairs are made. They may want to apply a higher deductible on your policy until the repairs are made, or they may apply a special exclusion until the work is completed.It may be in your best interests to keep your existing homeowner policy in force and make the necessary repairs to the chimney. After that is done you can move your insurance to the new company. Most insurance companies do not apply any penalty for cancelling your policy mid-term. Check with your present company before cancelling, just to be sure there won’t be any issue. If there is a problem with your existing company, you may have to wait until the renewal date before switching your insurance.

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