No Time said:
Insurance company #1 had my auto and homeowner policy since 2017ish. They decided to non-renew the auto based on claims due to my son and wife.
The best rate I got was with Flo, and moved my auto insurance. So far so good...
My wife's employer had a benefits fair and there was an insurance agent she spoke with that was a local rep for Flo and could provide quotes for moving homeowners to Florida to get more of a discount on the auto. Great, any savings helps with the current cost.
Quote looks good, move to Flo and cancel insurance company #1. Flo send an inspector out to look at the house the week of Thanksgiving with no notice.
Today I get a call saying I need to replace my roof to maintain coverage. After a bit of discussion the rep tells me the inspectors photos show tarps on the roof and deteriorated shingles. She sends me an email with the description saying ther shingles are discolored, missing aggregate, missing shingles, and shrinking (huh?).
I know why the shingles missing aggregate and look discolored. The inspector and underwriter had no clue what they were looking at and made assumptions.
The roof covering is a rubber membrane. The previous owner had an issue with ice dams, and due to the unfamiliarity of contractors with the roofing system (2' wide insulated panels with sheathing that run parallel to the ridge and secured to 4x6 beams spaced on 24"), they went with the membrane.
I call back and explain the situation to the rep. She puts me on hold to contact the underwriter to find out how to resolve this misunderstanding. When she comes back on the line the resolution is the Flo is cancelling my homeowners because they will not sure home with a membrane roof.
So I cancelled my previous policy that wasn't an issue, and now Flo Is cancelling me. I chose to email the local agent rather than calling to avoid saying something that would be unhelpful.
They couldn't have figured this out when I gave the info to the agent about roof when getting the quote?
Of course I haven't received the refund for the previous policy, will need to pay for a new policy up front, and will probably get a bill from Flo for an increase in my auto insurance since it's no longer bundled with my homeowners.
Have you made any headway on this? Just today a coworker mentioned that his insurance carrier threatened him with cancellation if he didn't replace his aged but intact roof within about four months. Sure enough, he just recently switched to Flo.
I'm sure there are sketchier carriers, but that's the only one I've ever felt was openly, shamelessly trying to rob me.