OK, you need to call your agent.
You will need to, at the very least, get rid of the shepherd, and move the firewood, and have the wood burning unit (fireplace or stove) inspected to be sure it's up to code in your area. If it's not, you'll have to have the fixes done.
Shepherds are prohibited dogs with MANY insurance companies (I know, I don't agree with it).
YOUR AGENT should be able to negotiate 30 days with the insurance company, to comply.
If your agent is a State Farm agent, or Allstate, or Farmers, or other direct writer, they are telling you no one else will write it because they only represent one company - you'll have to go to an independent agent to shop out your insurance. Which, btw, I would do anyway, to keep my dog (not ALL companies prohibit german shephers, ESPECIALLY if there's never been a bite incident or other claim on your policy).
Even if you DO find another carrier, move the wood pile to the back of your property - far, far away from the dwelling. I know it's more convenient on the porch, or close to the house, BUT. If it's a fireplace you use, have it inspected. If it's a wood stove, ditto. Go to a new agent ARMED to the TEETH and prepare to be thoroughly inspected.
Honestly, you'll be better off with an independent agent - I'm guessing you're with a direct writer now.
**ps. Insurance companies would rather pay a theft claim than a dog bite - it's cheaper. And you'd be better off if the dogs did NOT live outside - if they spent most of the time indoors - less chance of escape.
2007-02-04 04:49:34
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answer #1
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answered by Anonymous 7
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Every State has a division the regulates insurance companies and looks into complaints. It may not have anything to do with you. You can complain to them, but it may not be worth the trouble because when insurance companies start cancelling policies it's usually a sign they have been ordered to shut down by the government's insurance regulators.
Neither is it true no other insurance company will sell you insurance. The proof that this is untrue is this. The bank issued a mortgage on the house. Ever since the massive collapse of banks during the great depression and the savings and loan crisis ten years ago, the federal and state governments cracked down on lending practices. Some of the regulations put in place was that the assets must be of a certain quality.
Just pick up the phone on Monday and you will be re-insured. The person you spoke to was nasty and wanted to make you feel small unfortunately their are a lot of people in the world like that.
I read the extra details, what the insurance company representative was illegal. You can file a complaint about the statement "they will make sure no one will insure you either." The dogs and the firewood have nothing to do with it.
Remember what I said that States sometimes order insurance companies to close down. Remember that some people are easily intimidated and don't have backbones, don't be like them. get another policy and write a letter of complaint to your State's Department that regulate and tell them about the "we'll make sure you won't be covered." statement. That is definetly illegal.
2007-02-04 05:01:33
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answer #2
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answered by Anonymous
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Call around for other quotes. Your old insurance company has no right to tell no one else will cover your property. The only way that would happen is if they were making derogatory information available to another company.
Call your mortgage company to see if they recommend anyone. See if the insurance company is cancelling a portion of properties they cover. Your mortgage company would know they got the notice as well.
I have my home owners policy, car insurance, jewelry, and computer equipment covered through one agent. They cancel my home and they lose the rest of my business.
Some insurance companies are cancelling after checking credit scores or a customer filing bankruptcy.
2007-02-04 04:55:18
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answer #3
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answered by professorc 7
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I have never heard of any risk being declined because of where their firewood was stored (as long as it was neatly stored), but if that's the route they wish to go, so be it. As for the dogs, I have seen cases where isurers decline risks because of the type of breed owned, not because of the fact that the person has a dog. Dogs cost more to insurers than they save. They are not the most effective burglar deterent systems (Toy Poodles can bite your ankles but one swift kick will send them scurrying), and the ones that are effective burglar deterent systems are not the ones insurers want to be insuring.
You stated your policy will be cancelled in June '07. Are you sure you didn't mean they are not renewing? I've never seen an insurer give that much notice for a cancellation, so I suspect that they are declining to renew your policy.
My advice is to speak with a bunch of different brokers/agents, and when you do, show them the letter that your current insurer sent you so that they can see the reason that you are not being renewed is for underwriting reasons, and not for something like non-payment, which is a big red flag for most insurers. This will also ensure that your broker can place you with a company that accepts these risks, and you can avoid this headache in the future. For anyone reading this, being open, thorough and honest with your broker/agent is the only way to ensure that there are no gaps, errors or omissions in your policy. Since your policy is still insured until June, your financer won't be bothering you as long as you can show that you will be insured with another insurer once your current policy terminates.
2007-02-04 05:14:40
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answer #4
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answered by Gambit 7
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You won't lose your home if you don't have insurance. Your loan company could force place insurance on your home. And believe me they won't be checking for the three lowest rates. Also, their coverage will only be for collateral for the loan. One of my clients said her force placed insurance was actually affordable so she did not care. It was an investment property though. Your next option is to try to get insurance through an alternative carrier before cancellation date. Call around for quotes. I am sure if you get someone maybe not locally based or over the Internet they probably won't look at the property, especially if you get it while you still have some coverage in force. All insurance cos. share their past claims experience with a customer in a system called CLU/LIS if I am not mistaken. So if you are being cancelled due to claims it will be known. Your last option to stay in home would be to contact your state's department of insurance and ask for the guaranteed coverage company for the state. Here its like Missouri Insurance Exchange or something not sure what it is for you. Or you could sell home as-is, no inspections, repairs take proceeds and rent elsewhere. But that would be like your worst case scenario.
2007-02-04 04:36:48
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answer #5
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answered by q8336b 2
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Your not being "canceled" you are not being "renewed" when the policy comes up in June. Companies have the right to decline continuing to insure a house. It sucks but they have that right. You will be able to get new insurance you are just have to work harder to get it. Go to an independent agent and be straight with them, tell them the whole story and let them work to find a company that will insure you. Not much more you can do about the dogs, but move the wood pile. It's considered a fire hazard and insurance companies will non-renew over any kind of fire hazard in a heartbeat.
Hang in there and good luck.
2007-02-04 08:04:09
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answer #6
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answered by fighting saints 6
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Do you live in FL?? If so I bet they are getting rid of some of the FL houses because Governor Charley is pushing Ins Co. to give money back and not to jack up prices.
Do you have mold or something weird going on? and i bet other ins co. will pick you up but they may charge a lot
2007-02-04 04:31:51
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answer #7
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answered by jbscooby99999 3
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You're insurance company must tell you why they are canceling you're policy.If you do loose you're insurance, you're Mortgage company will insure you're house but, it will cost more.
2007-02-04 04:38:21
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answer #8
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answered by jimbobob 4
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Call other insurance comapnies and find out for yourself. Your current insurance agency has to give you a reason for dropping you find out what it is.
2007-02-04 04:29:35
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answer #9
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answered by CctbOh 5
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there is no such thing. Contact another company, this company is feeding you a line of sh**! Unless you have dogs that have to be insured like pitt bulls they can not say such a thing. they also ca not cancel you for those reasons.
2007-02-04 10:39:15
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answer #10
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answered by glamour04111 7
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