Due to missing shingles, my home insurance company wouldn’t renew my policy. What can I do?
UPDATED: Apr 15, 2013
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Asked April 15, 2013
Homeowners insurance is meant to repair or replace your home in the event of it being damaged by a peril named in your policy. If your home was insured with a full roof of shingles, and the chances are good that you would have been denied coverage otherwise, then the insurance company considers a full roof as the normal state of being for the home.
The easiest solution is to replace the missing shingles on the home. Once the repairs have been made, you can reapply for home insurance. If the damage is related to a named peril, you could file a claim to get the repairs made. If the shingles are missing because of "normal wear and tear," then the insurance company will deny the claim. In this case, your only alternative is to make the repairs yourself.
Since home insurance may be a condition of your mortgage, it is important to get the repairs made and your policy reinstated as quickly as possible. If your lender discovers a lapse in your insurance, they may see your lack of insurance as defaulting on the conditions of the loan. Because of this, it is in your best interest to get the policy reinstated as quickly as possible.
Since your policy is up for renewal, this could also be a great time to shop around for more affordable home insurance. Use a site like this one, which offers free insurance quotes, to begin looking around for a new policy. The benefit of this method is that you can compare the quotes from several leading insurers rather than getting a single quote from a single source. You can even apply for coverage online when you find the company you want to insure your home, just make sure that you get those shingles fixed before you do.
If your home paid for, then there will not be an insurance requirement from the lender. This does not mean that you can simply stop having home insurance. Any damages that happen while your home is uninsured will be your personal responsibility, and those repairs will have to be made before you can get a new insurance policy. So any way you look at the situation, your first objective is to get those missing shingles replaced. After that is done, you can negotiate with the original insurer or look around for a better deal.
Answered April 15, 2013 by Anonymous