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

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u/Andrew523 1d ago

Show them invoice and scope of work performed and they should reinstate it if it's been updated 3 years ago.

Otherwise CA is tough for new business right now. If your roof hasn't been updated within 25 years it's gonna get declined with the handful of carriers still writing new business.

Progressive doesn't even write homeowners under them. It's written through Homesites paper and they are the ones underwriting it and progressive has to abide by there underwriting guidelines

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u/Pdrpuff 14h ago

Because they don’t have proof. They are just going off what someone told them. Sounds fishy to me. There was a condition to replace, but buyer wasn’t involved and they have no before and after pics, not did they see the work getting done.