C
ChristinaG
Guest
What is the name of your state? Indiana
We got a notice that our home owner's insurance is being cancelled as of 11/15. (A bit of background: We had a small kitchen fire in Feb of 2001 which they paid a claim for. In Aug of this year, we had a problem with carpenter ants in the lower level family room. I called to find out if they would cover it and they said no.)
I called the insurance co. who called the underwriter. The underwriter said she was cancelling because there could be future damage due to the insect problem. I don't understand this because they don't cover insect damage anyway so why would this be a consideration? (I told them already that we're almost done with the repair, all we have to do is paint.) The underwriter refused to have someone come out and take a look at it. She states we had too many claims. We had insurance with them for 13 years and had one claim. They are using the phone call inquiry as a basis for cancelling us.
I have called around and because of this, we will have to pay an unbelievable amount of money for a premium. (Quotes are ranging from $1476 to $3200. One broker told me she didn't even bother finding out the price because it was from a "surplus" company and she felt it would be best for us to shop around.)
This doesn't seem fair and I would like to know what recourse we have? Thank you.
We got a notice that our home owner's insurance is being cancelled as of 11/15. (A bit of background: We had a small kitchen fire in Feb of 2001 which they paid a claim for. In Aug of this year, we had a problem with carpenter ants in the lower level family room. I called to find out if they would cover it and they said no.)
I called the insurance co. who called the underwriter. The underwriter said she was cancelling because there could be future damage due to the insect problem. I don't understand this because they don't cover insect damage anyway so why would this be a consideration? (I told them already that we're almost done with the repair, all we have to do is paint.) The underwriter refused to have someone come out and take a look at it. She states we had too many claims. We had insurance with them for 13 years and had one claim. They are using the phone call inquiry as a basis for cancelling us.
I have called around and because of this, we will have to pay an unbelievable amount of money for a premium. (Quotes are ranging from $1476 to $3200. One broker told me she didn't even bother finding out the price because it was from a "surplus" company and she felt it would be best for us to shop around.)
This doesn't seem fair and I would like to know what recourse we have? Thank you.