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| My neighbor was burning his ditch when it got out of control and burned about .5 of an acre of my land. It is overgrown with older hardwood trees, the chain-link fence is chared and I had an older ... |
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| We are a few years away from 65 and moving from Maryland to Florida. Costs for the same high deductable health coverage from our health provider will cost 5 times the amount we pay now. We are ... |
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| I tried to pay my mom's car insurance today and it said that the account was terminated. How do i get the policy reinstated?... |
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| I live with a woman who is my best friend in a totally platonic relationship; we're like brother and sister. In fact I refer to her AS my sister and she calls me her brother. I have placed her ... |
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| workmans comp. only pays 2/3rds of what you made. if you have two jobs that destroys (the injury)your other source of income. Can you file a claim against your employers insurance(not the workmans ... |
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| I finally got my BFP test results and im insured (i think...i mean i am insured but don't know if it covers maternity). But now im starting to wonder if my dad's insurance on me covers ... |
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I would be interested in doing cat work, but when the catastrophe is over, just go home and do local work for the rest of the time.
As far as I can tell a Texas all lines license is preferable .<... |
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DParsons | After a house fire my insurance was cancelled when do i get reinstated? |
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Gambit
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Was the policy cancelled by the insurer or was it not renewed by the insurer? There is a difference and it is significant.
If the policy was cancelled that means you violated some policy condition, such as failing to disclose a material fact or misrepresentation, which is bad. Your policy will not be reinstated, therefore you will have to find another insurer, probably in the non-standard market, which means big premiums, big deductibles and small coverage. The insurer cannot cancel a policy mid-term because you had a claim. They can only cancel mid-term because of a condition or contract breach.
If the insurer chose not to renew the policy, then this is a different situation. While it is bad (other insurers do not look favorably on new risks who have been declined by their current insurer), it is not as bad a situation as if you had been cancelled mid-term. The policy will not be reinstated by the current insurer, however you might be able to find coverage with another standard insurer, depending on your current situtation (i.e., house age/condition, other claims, etc).
Bottom line is you should find an insurance broker right away to avoid uninterrupted coverage. This is assuming, of course, that the fire damage is being reparied (no one is going to insure a house as a new risk with current fire damage). |
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Mrs HarleyBrat
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when you go find another company - this policy probably cancelled you after they paid out on your fire because now you are a greater risk (insurance companies are weird about that kind of stuff) |
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Evan K
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Did your house completely burn down? If so, you don't have a policy because you don't have a house to insure. Once you're rebuilding, you'll start to deal with reinstatement. |
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Chickie
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Your old policy won't get reinstated, you have to get a new one with a different company. Call your agent to see if they can place you with another company. |
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americanfreeman
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NEVER, you will have to find a new company and my bet it wil be twice the cost. |
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HarleyKat
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Did they cover the loss? Was there any suspicion of arson or negiglence?
I would suggest hiring an attorney! Often, insurance companies deny claims just because it is standard to do such and so many people do not fight it!
I had a house fire and they initially denied the claim for some trumped up BS about not receiving the last payment. (Insured with same company, no interruptions in payments, for 18 years!) THEN they tried to deny such because the homeowner (my mother) did not live there though the policy specifically stated "or insured's immediate family."
One plus...you can request a jury trial and not many will be sympathetic to an Insurance company!
Now if none of these things apply to you and they only terminated your policy for too many claims...I think the company has the right to decline future coverage and you may have to go with another company...possibly a high risk insurer.
Good luck! I know it is a *grrrr* headache! |
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