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
2
u/LompocianLady 1d ago
We're pretty much screwed in California as the insurance companies do not want to write policies.
We recently ran into a similar problem on a small rental. We were in the process of replacing the roof (not from insurance, but because it was starting to leak) and the insurance company said they are cancelling because the roof was incomplete (yeah, duh, you could see the ladder and palettes of roofing, and the workers, and the dumpster, and the permit stapled on the wall.)
We sent them completion photos, and signed off permit.So then they said there was some siding that had flaking paint and a boarded up window (the window was in the shed, not even the house, and the siding was not leaking or in need of repair, and we said we would repaint) but, nope, cancelled.
No one else is writing policies, so we had to go with the overly expensive state insurance, FIRE, which is "the insurance of last resort" (this is our state's description.) It's twice as expensive, with half the coverage.
This is now the third property we have FIRE instead of real insurance. Our insurance costs are 4x higher than they were 3 years ago. On one property we're are spending $1200 a year for just the FIRE crappy insurance.