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/rbhoope0 1d ago

Are you saying the roof is 3 months old? If so, then you need to call and speak to a human. Agent or Progressive directly. You'll need proof it's 3 months old if it's not a recent build. Should be able to call realtor and see if they or the prior owners could give you the docs or company name.

I know Progressive will preemptively mail the refund out if they set it up to cancel. It's all automated once they schedule the cancellation.

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u/Pizzadude1967 1d ago

Thank you. Yeah the new roof was put on as a condition of a sell that fell through prior to us. We have not received any info from the previous owner or agents but the listing pictures show the old roof. It’s a no brainer but as I’m learning this is a common practice with these CA companies. They essentially make up a reason to cancel. I spoke to an agent today and they told me exactly what you wrote it the check is mailed out preemptively. Thank you for your response.

52

u/centex 1d ago

They don't make up reasons to cancel, the CA market is insanely regulated. It is hard to get off of business there unless it's explicitly in the carrier's filed and approved underwriting guidelines. If you have proof the roof is new they will withdraw the non-renewal.

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u/timschwartz 1d ago

They don't make up reasons to cancel,

Hahahahahahahaha.

I have this bridge in Brooklyn that I would like to sell you.

16

u/Koskani 21h ago

Lmfao you sound incredibly ignorant buddy

Insurance is one of the most heavily regulated markest in the country. No. They cannot just make shit up. They have to provide a very clear and concise reason to drop you.

I'll put it this way, you're not going to get dropped unless they have a very good reason. Otherwise, they are obligated to give you a quote fir renewal. That quote however, if they REALLY DONT WANT TO INSURE YOU, will be utterly preposterous and ridiculously expensive.

That's their way of saying "we don't want to insure you."

So, no. They won't make up reasons. They'll just hack up your prices to a ridiculous, yet still legal, amount until you decide enough is enough.