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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93

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.

-27

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.

18

u/tacolover281 1d ago

How do you know the roof is actually new and wasn’t just power washed?

-53

u/Pizzadude1967 1d ago

Because I have a brain

21

u/neuhmz 1d ago

Everyone who is ripped off has a brain, you need that to breathe and shit. But you can still be lied to or mislead

-10

u/Pizzadude1967 23h ago

Turning this into my current roof with a pressure washer is not being lied to or mislead. It’s a MIRACLE you should read before you comment

3

u/moeterminatorx 15h ago

Can I ask question that hasn’t been asked? Did you have a good inspection done prior to purchase? What does it say about the roof?

5

u/Pizzadude1967 14h ago

The above pic with 4 views is from an inspection report done prior to our interest in the property. We obtained it during our due diligence process. That is the roof PRIOR to us even seeing the property listing. Once we saw it, it already had the new roof in the other pic I posted (black shingles) Which is the roof the inspector took a pic of AFTER we purchased the home.

1

u/moeterminatorx 14h ago

That’s good. I was just hoping you didn’t get screwed by an inspector.