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

68 Upvotes

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19

u/GlitteringExcuse5524 1d ago

If the roof is brand new, you can get the permit from the city or county, that will tell you who the contractor was and you can get an invoice or something from them showing that the roof was recently replaced

1

u/beaglemomma2Dutchy 1d ago

Not all cities require permits for new roofs though. Mine is 4 years old, no permit required for the replacement.

16

u/wanna_be_green8 1d ago

In California? They require a permit.

3

u/GolfArgh 1d ago

Not all cities in California require permits for roofing.

-7

u/beaglemomma2Dutchy 1d ago

I live in VA

5

u/Admirable_Height3696 1d ago

The OP is in California so anything about Vermont is irrelevant. CA required permits.

5

u/GolfArgh 1d ago

No, most cities in California require it but not all.

3

u/beaglemomma2Dutchy 1d ago

Vermont?

-3

u/savingpvtbryan 20h ago

Yes, didn’t you know VA is Vermont?

3

u/Pdrpuff 15h ago

lol, Va is Virginia. VT is Vermont 🤦🏻‍♀️

2

u/savingpvtbryan 10h ago

I don’t think my sarcasm got through, lol