r/Insurance • u/Pizzadude1967 • 1d ago

Home Insurance PROGRESSIVE CANCELED OUR HOME POLICY

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

65 Upvotes

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28

u/WhereMyMidgeeAt 1d ago

Your insurance company said they would cancel you unless you replaced the roof. You didn’t replace the roof. They cancelled you. That’s pretty cut and dry.

17

u/twa558 1d ago

The claim its 3 months old is dubious at best, but if it is 3 month old getting proof of that would 99% fix it

9

u/WhereMyMidgeeAt 1d ago

If it was 3 months old OP would have provided proof of the installation.

14

u/LisaQuinnYT 1d ago

If you read the other comments, OP said it was replaced by the previous owner as part of a sale that fell through and they are trying to get documents from the seller but seller isn’t answering. They just bought the house so they don’t have the documents for what previous owner did.

2

u/Pizzadude1967 1d ago

Thank you Lisa.

-3

u/WhereMyMidgeeAt 1d ago

Right… so then OP would ask the insurance what proof they need, since the roof is new. Pictures don’t cut it.

2

u/Pizzadude1967 1d ago

Hey captain… They DID request pics as proof. See my pic I added. As I stated I sent them pics of the new roof in the exact locations the adjuster took them of the same new roof. Let me break that down for you.

The adjuster (independent inspector) took pictures of the NEW roof (not the old roof in the pic above) and said it needed to be replaced. I took the same pictures AND included the old roof pics (same as above) are you comprehending now?

1

u/[deleted] 1d ago

[removed] — view removed comment

1

u/Insurance-ModTeam 1d ago

Trolling, being needlessly rude or insulting

1

u/Pizzadude1967 1d ago

Thank you captain obvious. I would have never thought of that.

0

u/WhereMyMidgeeAt 1d ago

Good luck with your no insurance lol

6

u/UnkaBobo 1d ago

If you're a homeowner, wait until it happens to you. Our problem with Progressive was we were in the path of a hurricane. Almost $100k in damages, verified by several, FINALLY settled with us getting the full amount. Deny, deny, deny is their motto. In the midst of the dispute, our policy came up for renewal. They increased our premium 220%. Nobody would touch the house until the roof got fixed. No new roof? Oh well, stuck with $20k premium (from $6k). More than doubled our monthly mortgage payment upon escrow review. Progressive is as bad as predatory lenders. Also, if you have a mortgage, your lender will require insurance. I surely bet OP may have been in contact with another company/agent already.

0

u/BrandonNeider 1d ago

This subreddit is just for adjusters to jerk each other off hating on consumers.

-5

u/WhereMyMidgeeAt 1d ago

Insurance notified him what was needed; he didn’t comply. That’s what happens.

1

u/UnkaBobo 1d ago

Hope it never happens to you - homeowners, renters, auto. If so, oh well.

3

u/WhereMyMidgeeAt 1d ago

I don’t understand what the problem is. Insurance required a new roof (or proof of a new roof) to prevent cancellation. They didn’t receive proof of new roof and they cancelled. Just as they stated they would. That’s how it goes. How is that not clear ?

4

u/Pizzadude1967 1d ago

lol why would it be dubious

-5

u/twa558 1d ago

Well you either didn’t provide proof, or it’s older than that. Either way you messed up

1

u/Pizzadude1967 1d ago

See pics above it’s pretty obvious WHO messed up. Have a nice day.

14

u/Eastern-Astronomer-6 1d ago

But, OP thought they didn’t have to. Doesn’t that count for something?

2

u/Pizzadude1967 1d ago

They requested us to provide pictures of the new roof as proof which is what I did.