Insurance canceled for shingles lifting

UPDATED: Oct 14, 2020

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UPDATED: Oct 14, 2020Fact Checked

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My insurance was cancelled during hurricane season ( a week after hurricane Michael) due to shingles being lifted. Isn’t a Home Inspector license required to inspect a home for an Insurance company? Even if you are an employee? an individual came out to take pictures of the roof and that was it.”

Asked October 23, 2018

1 Answer

A home inspector in the state of Florida does need a license. You leave out a lot of details in the description of your situation. For example, you don't mention if you actually spoke with the individual who you imply was an employee the insurance company. You don't mention if you filed a claim for the roof damage or any specifics about the coverage offered in your insurance policy. Also, you don't mention how much notice the insurer gave you before cancelling the plan other than to say that it was canceled a week after the hurricane.

All of the above said, an insurer typically isn't permitted to cancel a policy in Florida after a severe natural disaster like a hurricane. As reported by several news outlets recently, Governor Rick Scott enacted emergency insurance rule changes that placed a 90-day hold on certain actions that an insurer can take after Hurricane Michael. Your insurance company isn't allowed to cancel your policy or fail to renew it during this period. Additionally, your insurer can't cancel your policy overnight. As long as you've had your policy for more than 90 days and you've made all of your premium payments, you must typically receive at least 45 days notice during a non-renewal period.

At this point, your best bet is to contact your insurance agent and advise them that you're aware of the emergency changes made by Governor Scott. If you haven't filed your claim or the filing acted as a catalyst for the inspection, emphasize that you've made all of your payments and expect your insurer to fulfill their end of the agreement as outlined in the terms of your policy. If they deny your claim for less than valid reasons or continue the cancellation process, seek the assistance of an experienced insurance claim attorney.

Answered October 25, 2018 by fl_pc

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