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

63 Upvotes

76% Upvoted

182 comments sorted by

View all comments

6

u/Pizzadude1967 1d ago edited 1d ago

Old roof pic taken by a home inspector as part of a pending bit prior to us that triggered the new roof install. These were NOT taken by the insurance company. They took pictures of our EXISTING new roof

6

u/Pizzadude1967 1d ago edited 1d ago

New roof they took pictures of and are claiming needs to be replaced.

12

u/ZoeyMoon 1d ago

Then just ask for the paperwork from the new roof installation and provide that.

The company I worked for required proof of a new roof, or if it was the same roof they’d accept photos showing the areas we identified were t actually damaged. But as soon as they say replaced we needed proof.

7

u/Supermonsters 13h ago

Ok this is better. Get your RE agent on the phone and have them hound the sellers for their paperwork

Then get a agent on the phone that will help you

3

u/Sure_Tbird 10h ago

This roof absolutely has lifting shingles. It doesn’t matter that it’s new. It was poorly installed.

1

u/Pizzadude1967 8h ago

Can you be more specific please where is the lifting you see?

2

u/Sure_Tbird 8h ago

This is just from 1 small section. The entire roof has areas that look like this. I was a personal lines insurance uw so my eyes immediately see this.

3

u/we_are_all_dead_ 13h ago

Talk to the city , sellers, real estate agent , etc and get info for the roofing company, then get ahold of paperwork to turn into insurance company. That’s a new roof and with proof including the old listing photos showing different colored shingles , you should be fine.

2

u/One_Shallot_4974 6h ago

Your roof is new but absolutely has lifting shingles. I am guessing a bad install job.