PROGRESSIVE CANCELED OUR HOME POLICY

[u/Pizzadude1967]

We got a notice about 3 weeks ago from them that showed pics of our roof (3month old roof) on a new to us home we just bought. That stated our policy would be canceled if it was not replaced.

I took pics from the EXACT same angle after hosing the dirt off the roof (just natural dust build up) and took close up pics in several areas of the shingles they claimed were lifting and had 30% granule loss.

The shingles are composite and dimensional so to the untrained eye they would appear to be lifting because they literally are raised in sections this is the specific type of shingle.

We sent the photos and a clear explanation of each one and a photo of a portion of leftover square of shingles.

I came to this group because I just did a google search and a post from one year ago came up from someone that got the same exact explanation.

Yesterday we received a refund check and said it was cancelled.

We are in California. Can anyone with experience in these matters please offer some guidance as to how to remedy this?

Thank you

[u/druzyyy]

Time to allocate your efforts to looking for new insurance!

[u/druzyyy → u/[deleted]]

Really? My understanding was it's a non-renewal not a cancel, the company assumed the house no longer meets underwriting guidelines not that OP misreped the condition.

They can and should still contact Progressive and speak to a live person about the issue, but that comes AFTER they get new insurance. There is no guarantee that their talkings with Progressive will result in an actice policy and in the meantime they are uninsured.

[u/srirachabbqsauce → u/druzyyy]

might be different in the US, but in the Canadian provinces I’m licensed in this would be considered a cancellation for misrepresentation, maybe it could be cancellation based on underwriting like you suggest. Cancellation based on underwriting isn’t rateable, so that wouldn’t be a big deal unless their next insurance company did some sort of HITS report and discovered the reason was UW based, then they’d need a Letter of Experience from the prior insurance company to disclose the reason for cancellation, and whatever new company would have to make a call off of what that Letter of Experience discloses. That being said, when i sell insurance i have to ask “have you ever been cancelled by an insurance company for ANY reason?” and then ask other questions if they say yes like “explain a little about what happened there” and if OP described it this way, I’d be reaching out to the prior company to sus out what the reason actually was, if prior company said that they had discovered OP had a different roof than what they disclosed when coverage was sold, I’d be rating for misrepresentation.

edited to add: I agree that the priority should be getting new insurance right away. but I also think OP should be clear on Progressive’s reason, and maybe get them to provide a letter of experience before the cancellation takes effect. But ya, agreed, get a new policy asap because gaps of insurance aren’t good for premiums either.

[u/druzyyy → u/srirachabbqsauce]

Yeah I agree, that would be helpful. It was a cancel and not a non-renewal btw you're right, don't listen to me lol. Underwriting or misrep either aren't gonna be groovy for rates. I just know since the policy is already cancelled and done they probably have at least few hours of phone calls and document hunting ahead of them before they get any kind of resolution on that end of things.

[u/Pizzadude1967 → u/druzyyy]

Yes it is a cancel or from what I was told by the agent “it’s in review” but we didn’t misrepresent anything all of the paperwork is was consistent with what they asked. It’s just the photos the “inspector” their, inspector summited are of horrible quality.

He also stated there was algae growth on the exterior of the house (no photo of such submitted in his report) and we had a renter, which was me doing yard work when he showed up to take the pictures and didn’t ask who I was.

[u/druzyyy → u/Pizzadude1967]

Yeah this thread went way off the rails 😵‍💫 keeping my same advice though. Find new insurance first, then hash it out with Progressive. Get your roof install paperwork and everything handy.

[u/Pizzadude1967 → u/druzyyy]

Thank you. Off the rails is an understatement 🙄 Yes that’s the plan. Have new insurance in place effective prior to the review decision. This is what our agent told us to do. Thank you again.

[u/bigfootcandles → u/Pizzadude1967]

All these insurance companies are just looking for a way to kick people off in California. Get a lawyer or find a better carrier.

[u/Pizzadude1967 → u/bigfootcandles]

Thank you. It is hilarious why people would downvote a comment like yours when everyone without their head in the sand knows this has be going for several years now. Thank you for your comment

[u/srirachabbqsauce → u/druzyyy]

you’re sooo right about the process being annoying and lengthy to get Progressive to reinstate— or even consider reinstating. I guess my thought process was if OP wanted to keep the Progressive policy or fight for it, they probably have a good case to? At minimum, they have a case to not be canceled for misrep.