Texas State Builders

Home Insurance Canceled Because of the Roof – FAQs
What do I do if my insurer has already non-renewed my insurance policy?
If you can’t get your old policy back, talk to your neighbors and find out which insurance companies they use. Explore Insurify to get quotes from multiple insurers. You can also call your state insurance department, which can give you a list of insurers that underwrite policies in your area.

What will happen to my mortgage if my insurance is canceled?
If your home insurance is canceled or you receive a non-renewal notice, you need to get a new policy as soon as you can. If you don’t, you risk defaulting on your loan. Your mortgage lender may also find an insurer for you, but you should try to avoid this because lender-placed policies are usually more expensive and less comprehensive than a policy you could find yourself.

What are some of the other reasons why insurance carriers might cancel insurance?
There are many reasons insurance carriers may cancel or non-renew insurance policies. Some of the most common ones are too many insurance claims or a claims history that’s too expensive, non-payment of premiums, bad credit, living in a high-risk area with a lot of natural disasters or crime, or owning certain dog breeds.

Conclusion: Prevent Cancellation by Maintaining Your Home
You can keep your homeowners insurance from being canceled or non-renewed by taking good care of your home. But if you receive a cancellation or non-renewal notice, you may still be able to find the coverage you need to protect your biggest investment.

Need to find a new insurance company? Start by exploring a home insurance comparison site like Insurify. Find the home, life, and auto insurance you need with this simple tool, which takes just a few minutes to use.

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