Boy, this year is going to be a lot of fun for insurance. It was early in the year when I got a notice from my loan servicer that they got a cancellation notice on my insurance policy. Of course, I was like, what the hell? I logged on the insurance company’s portal and saw I had a notification that they were cancelling my insurance, like soon.
I don’t remember what made me search, but I did and found a news article that the insurance company was just eliminating entire territories from its coverage area. As it turned out, I was in one.being eliminated. The news story that informed me of this actually gave me more information than the insurance company did. It additionally explained that there was another insurance company that was willing to pick up the remainder of any policies being cancelled early, of which I was one. That gave me a few months to breathe and figure out what to do.
As the weeks went on, I did get confirmation and more information from the old and the new insurance company. I would be covered until the end of my policy term, but the new company would not be renewing the policy. So, as the policy end date closed in, my insurance agency started contacting me more and more frequently and urgently to find a new insurer.
I got two quotes for a new policy and made my choice. I paid in full and sent the documentation proof to my loan company. Ok, I’m good for the year. Well, no. Less than a month into my new policy, I get two letters in the mail from the new insurer. The first is a notice of policy cancellation. The second is a confirmation of policy cancellation. The policy is going to be cancelled at the end of the month, less than 3 weeks away. Again, what the hell?
The reason given for the cancellation is my roof. It appears the agent submitted my information with the wrong shingle type and when they found out what it really is, they determined the age of the roof is too old for them to insure. So, goodbye.
So, now, I am wondering if the other quote I got, which will be my fallback for now, is even valid if that was submitted with the wrong shingle type. If it is, I might be looking at getting a re-roofing done ASAP to qualify for any insurance. I guess I should start getting quotes for roofing.