What is the name of your state?What is the name of your state? Alabama
My wife and I recently puchased our 1st home in November '04. My homeowners insurance originally insured me, no questions asked. I then received a letter stating they were going to drop me because they found a water damage claim filed by the previous owner in 2002. They stated that meant an increased loss risk due to possible mold. This was crazy so I appealed. They decided not to drop me pending a home inspection for mold (since it had been two years when the claim was filed). Well I just received a letter stating that my insurace will be dropped next month but not because of mold (they found none). Now they are dropping me because of a low hanging wire in my neighbor's yard and "unconventional" wiring and connection to the central air conditioner. Is this not a classic example of bad faith and being singled out? I walked around my neighborhood and every home has the same type of wiring associated with their a/c unit (older homes that were retrofitted with central air after construction). And they stated that it was power lines hanging low in my neighbor's yard and that is clearly an incorrect statement. I would appreciate any advice you could give me to keep them from dropping me and therefore giving me problems in the future with securing affordable homeowners ins.
My wife and I recently puchased our 1st home in November '04. My homeowners insurance originally insured me, no questions asked. I then received a letter stating they were going to drop me because they found a water damage claim filed by the previous owner in 2002. They stated that meant an increased loss risk due to possible mold. This was crazy so I appealed. They decided not to drop me pending a home inspection for mold (since it had been two years when the claim was filed). Well I just received a letter stating that my insurace will be dropped next month but not because of mold (they found none). Now they are dropping me because of a low hanging wire in my neighbor's yard and "unconventional" wiring and connection to the central air conditioner. Is this not a classic example of bad faith and being singled out? I walked around my neighborhood and every home has the same type of wiring associated with their a/c unit (older homes that were retrofitted with central air after construction). And they stated that it was power lines hanging low in my neighbor's yard and that is clearly an incorrect statement. I would appreciate any advice you could give me to keep them from dropping me and therefore giving me problems in the future with securing affordable homeowners ins.