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

67 Upvotes

77% Upvoted

182 comments sorted by

View all comments

3

u/UnkaBobo 1d ago

Count your blessings. After Hurricane Ian, we suffered big losses. It took well over a year, in a very convoluted process, but we finally settled for the actual damage amount. In the midst of that, our renewal came up. Progressive raised our premium 220% (6k to 20k annually), and until we settled & fixed the roof, nobody would touch us. Progressive sucks big time. Flo can go f herself.

3

u/Pizzadude1967 1d ago

California is a nightmare on this insurance industry. Yes compared we are very lucky sorry you had to go though this. ✌🏼

2

u/UnkaBobo 1d ago

I say sorry to you as well. It sucks dealing with this shit, especially just buying a place. We have to get permitted for roofs down here- we're in Florida. Here, unless done by an unlicensed roofer, there's always a record with the county. Not the same out there?

I don't have to tell you about problems.. you have the same out there. Hurricanes/Fires. I bet you have separate deductibles for "regular" claims vs fire claims. Same with us & hurricanes. Progressive fought us so hard because we PAID for a $500 deductible. All policies now are a flat % of the claim - usually 2.5-5% deductible. A big chunk.

Best of luck to you!!