Home Insurance Cancelled?

[markusb741]

Received a "Notice of Non-Renewal" yesterday from US Coastal Property & Casualty due to risk exposure management. Curious if anybody else got one. Gonna call the Villages Insurance this morning to get an explanation. We had sink hole coverage and never had any claims. Any comments or suggestions??

[thelegges]

How old is the house. We bought preowned, and home was built in 12/09. No sinkhole.
Aig tripled rate, no reason, other than a $15,000 deductible for wind damage. We switched to State Farm for close to our original premium last year, with the same coverage.

[justjim]

All these new roofs I see being put on might have something to do with higher homeowner rates. I’m sure The Villages insurance can find you another insurance company to insure your home.

[pauld315]

All these new roofs I see being put on might have something to do with higher homeowner rates. I’m sure The Villages insurance can find you another insurance company to insure your home.

And it will be at a higher rate, all those roofs that scammers are having put on their houses for "free" have to be paid for by somebody. In this case, it is all people who own homes in The Villages.

[manaboutown]

Canceled

[thelegges]

Canceled

Question or a statement.

Wouldn’t be the first time an insurance company canceled a policy

[Neils]

Most of the new roofs on homes that are about 4 years old are paid for by roof material supplier. Defective material.

[richs631]

Received a "Notice of Non-Renewal" yesterday from US Coastal Property & Casualty due to risk exposure management. Curious if anybody else got one. Gonna call the Villages Insurance this morning to get an explanation. We had sink hole coverage and never had any claims. Any comments or suggestions??

Your first mistake is using the villages insurance company. They are very expensive. I used an outside agency and my cost was 40% less for the same coverage. Also, if you read your sink hole portion of the policy you will probably cancel it.

[richs631]

All these new roofs I see being put on might have something to do with higher homeowner rates. I’m sure The Villages insurance can find you another insurance company to insure your home.

Just an FYI. Those new roofs that you see going up are NOT paid from a homeowners policy. It’s paid by the roof manufacturer due to defective materials

[BlueHeronFan]

Check with Allstate at Buffalo Ridge. I got an excellent policy with them with sinkhole deductible at $1000 instead of 10% deductible like my previous thru Villages Independent Insurance. I also have on auto and golf cart and get discounts and good driver rebates.

[jacksonbrown]

Received a "Notice of Non-Renewal" yesterday from US Coastal Property & Casualty due to risk exposure management. Curious if anybody else got one. Gonna call the Villages Insurance this morning to get an explanation. We had sink hole coverage and never had any claims. Any comments or suggestions??

Suggestion?

Here's one, call the carrier directly, asking that you might talk with a customer service representative (CSR).

Maybe the explanation is as simple as miscommunication. Or, maybe an anonymous tipster called your company complaining that you had adopted an "attack" dog.

It's happened.

[Skunky1]

My neighbors are bragging about their new roof they got for free and it’s not because the roof material was defective. Beware of the free inspection! You would be wise when they ring your doorbell to just tell them to go away. If you are concerned about your roof contact your own independent roofing company to inspect your roof for free.

[coconutmama]

We have bundled Progressive insurance thru Villages Insurance. No new roof, no claims. Received new bill this month. It went DOWN $8.00. Not much but we’ll take it!

[M2inOR]

If you are a prior service members, or have one in your family, check with USAA for all your insurance needs. A similar company for those not affiliated with the Army, Air Force, Navy, Marines, or Coast Guard, check rates with AMICA.

Both are top rated with Consumer Reports.

[christine J Toft]

My mother's neighborhood is all getting (except for her, she paid for her own) new roofs. Homes are 20-23 years old. First new roof for all. Roofing company bill insurance as "storm damage". Obvious fraud. People bragging about new roofs. So, it's not just newer homes.

[JanetMM]

Just an FYI. Those new roofs that you see going up are NOT paid from a homeowners policy. It’s paid by the roof manufacturer due to defective materials

Some maybe, but not all. Don’t overlook the fact that on many (if not all) of the roof replacements north of 466 could be due to age of the roof. Mine was 20 years old when I replaced mine this year. It was worn. Some due to storm but mostly just due to normal wear and tear and age. My insurance company gave me well under $1,000 check for damage. I had to pay the rest. No defective materials involved.

[dewilson58]

Your first mistake is using the villages insurance company. They are very expensive. I used an outside agency and my cost was 40% less for the same coverage.


:1rotfl::1rotfl:

[bakon]

State Farm- same cost as Coastal. Less deductible. We canceled after one month. Used Rachel Storey at agency near Fenny.
Kelly Matz
State Farm Agent
4386 Warm Springs Ave
Wildwood, FL - 34785-8058
Mon-Fri 9:00 am to 5:00 pm (EST)
Evenings &Sat by appointment
Phone: (352) 661-3456
kelly.matz.w304@statefarm.com

Drop my name Will Hudson and I get a gift certificate for $25 for referral. Only cost you a minute to stop or call

[pjolson]

We just received a notice of nonrenewal from Tower Hill Insurance. Reason given was reduction of hurricane exposure. Our agent said Tower Hill is dropping 15,000 customers in Florida. We've had no claims for the last 40 years.

[Clint Bennett]

me to. call Farmer Ins in Leesburg tell them I refered them my new rate was almost $300.00 less

[Topspinmo]

Received a "Notice of Non-Renewal" yesterday from US Coastal Property & Casualty due to risk exposure management. Curious if anybody else got one. Gonna call the Villages Insurance this morning to get an explanation. We had sink hole coverage and never had any claims. Any comments or suggestions??


Yep, go shop around. I recommend getting quote from AAA.

[Topspinmo]

Just an FYI. Those new roofs that you see going up are NOT paid from a homeowners policy. It’s paid by the roof manufacturer due to defective materials

Very few in old areas if any. You don’t get new roof after 15 or 20 years from defect.

[Topspinmo]

We just received a notice of nonrenewal from Tower Hill Insurance. Reason given was reduction of hurricane exposure. Our agent said Tower Hill is dropping 15,000 customers in Florida.
We've had no claims for the last 40 years.

Never heard of some of these companies. I once got snooker on whole life insurance scam once. Learnt that lesson 40 years ago.

[michtofla]

I called USAA for an insurance quote after I was cancelled and first of all they wouldn’t even write me a policy for my house at any price and the auto quotes were hundreds of dollars more than I was paying.

[CWGUY]

We just received a notice of nonrenewal from Tower Hill Insurance. Reason given was reduction of hurricane exposure. Our agent said Tower Hill is dropping 15,000 customers in Florida. We've had no claims for the last 40 years.

:ohdear: Yeah..... Insurance Companies have a strange way of saying "thank you". :icon_wink:

[KRM0614]

All these new roofs I see being put on might have something to do with higher homeowner rates. I’m sure The Villages insurance can find you another insurance company to insure your home.
Stop using the villages ! I got a quote from ASI (progressive) for identical coverage villages wanted 100% more ! Call progressive

[KRM0614]

Your first mistake is using the villages insurance company. They are very expensive. I used an outside agency and my cost was 40% less for the same coverage. Also, if you read your sink hole portion of the policy you will probably cancel it.
Stay away from the villages for banking insurance everything

[GypsyRN]

I called USAA for an insurance quote after I was cancelled and first of all they wouldn’t even write me a policy for my house at any price and the auto quotes were hundreds of dollars more than I was paying.
As far as my memory will allow, USAA stopped writing homeowners' policies back in 2007...that's when I moved from Hawaii to Hobe Sound FL and after I had had USAA insurances on everything for 20 yrs plus. Reason: too expensive for Hurricane claims paid out.

[dewilson58]

Stay away from the villages for banking insurance everything
:blahblahblah:
housing, golf, pickleball, golf carts, fishing, music, tennis, rec centers, pools, social clubs.............yep, the lifestyle is really bad. :MOJE_whot:

[Topspinmo]

Stay away from the villages for banking insurance everything

Had nothing but good service from citzens first and very convenient throughout villages.

[charlieo1126@gmail.com]

We just received a notice of nonrenewal from Tower Hill Insurance. Reason given was reduction of hurricane exposure. Our agent said Tower Hill is dropping 15,000 customers in Florida. We've had no claims for the last 40 years. I have been in FL. , 30 years the reduction for hurricane exposure is probably true , all these companies do this from time to time I have been lucky so far and my number hasn’t come up. Many years ago we had some pretty bad years and many companies dropped out of Florida, getting another company now is just a quick phone call away

[HIgolfers]

As far as my memory will allow, USAA stopped writing homeowners' policies back in 2007...that's when I moved from Hawaii to Hobe Sound FL and after I had had USAA insurances on everything for 20 yrs plus. Reason: too expensive for Hurricane claims paid out.

Wrong. Have gotten quotes from USAA twice in past 3 years for Homeowners Insurance. Decided to go with ASI (now Progressive). Quotes fairly similar. But USAA definitely still offers Homeowners here. Maybe it depends on what part of TV you live in? Our home was built in 2017.

[Holpat39]

And it will be at a higher rate, all those roofs that scammers are having put on their houses for "free" have to be paid for by somebody. In this case, it is all people who own homes in The Villages.

Don't know that people are "scammers" when their insurance company inspector okays new roof due to wind damage from February's high winds.

[rmd2]

Just an FYI. Those new roofs that you see going up are NOT paid from a homeowners policy. It’s paid by the roof manufacturer due to defective materials

Not true. They ARE paid for by the homeowners policy. These scam roofers will actually pair up with a lawyer to sue the homeowners policy if the insurers don't agree to pay for a new roof. WE end up paying for all these roofs from the ever increasing sky high insurance rates.

[bilcon]

We have bundled Progressive insurance thru Villages Insurance. No new roof, no claims. Received new bill this month. It went DOWN $8.00. Not much but we’ll take it!

Progressive is no longer writing new policies in TV. I called them direct and also checked with the Villages Ins. I have American Intregity and it went up $800. All the other Homeowner companies want you to bundle your auto. I like my auto company and don't want to switch. AAA did not even call me back with a quote about a Howeowners policy

[newgirl]

You have to have been in the service or still living in the home ( child of service member). They do not insure you just because your dad or brother is or has been in the service. I tried.

[worahm]

I have lived in a gated community near TV since 1997 and never submitted an insurance claim on my home owner's insurance. According to my insurance company, (St. Johns) the 2020 premium of ~$2300.00 was doubled to ~$4600.00 for 2021 because the number of huracanes in Florida, during the past huracane season has drastically increased. And, because, the number of roofs in my community they replaced because they were deemed "damaged by previous storms." I discontinued St. Johns and went with USAA, with somewhat better coverage for $2450.00 annual premium.

[Villageswimmer]

If you are a prior service members, or have one in your family, check with USAA for all your insurance needs. A similar company for those not affiliated with the Army, Air Force, Navy, Marines, or Coast Guard, check rates with AMICA.

Both are top rated with Consumer Reports.


Last year, I contacted Amica and was told they don’t write homeowners policies in Florida. Have you get yours from Amica? They have a great reputation.

[JoMar]

The true value of an insurance carrier is how they react to a claim. Many will give you a great price (ever wonder how they do that) but when it comes claim time, less than responsive. Had a couple friends that went that route and when Irma came through, it took up to 2 months to get an adjuster and 6 months to get a settlement that they could accept. If you can get a lifetime of no claims the savings is worth it....I guess.

[tlivingst]

If you are a prior service members, or have one in your family, check with USAA for all your insurance needs. A similar company for those not affiliated with the Army, Air Force, Navy, Marines, or Coast Guard, check rates with AMICA.

Both are top rated with Consumer Reports.

Thank you for the USAA Plug as a Member and employee of USAA we love our Members and their Family. @USAA.

[Larchap49]

Suggestion?

Here's one, call the carrier directly, asking that you might talk with a customer service representative (CSR).

Maybe the explanation is as simple as miscommunication. Or, maybe an anonymous tipster called your company complaining that you had adopted an "attack" dog.

It's happened.
I use Tower Hill. Premium on new home in TV less than $600.00 a year with catastrophic sink hole. They cut my premium in half on my 20 year old previous home compared to The Hartford from AARP. They are AAA and have been in FL. about 50 years.

[patticarl]

Most of the new roofs on homes that are about 4 years old are paid for by roof material supplier. Defective material.
Thank you Neils for the information about roofs with defective materials.
My husband and I live in a 4 y.o. house. Almost all of our neighbors have had their roofs replaced.
Where do we start ? Who should we call first?

[perrjojo]

When we first moved here in 2012 very few companies were writing homeowners policies due to so many hurricane claims. I had never heard of the company we had to use. Eventually State Farm started writing policies here again. We went back to them.

[tophcfa]

All these new roofs I see being put on might have something to do with higher homeowner rates. I’m sure The Villages insurance can find you another insurance company to insure your home.

Don’t be so sure about that. Our premium with American Integrity skyrocketed so I contacted The Villages Insurance, who we have been a loyal customer of for all of our Florida insurance needs. They searched their portfolio of homeowners Insurers they are an agent for and could not find a better rate. I really didn’t want to change to another Insurance agent, but The Villages Insurance was no longer making the grade. I contacted and independent agent in Leesburg who got us an excellent policy with Farmers Insurance that saved us big $$$$$. I also switched my auto and golf cart insurance to the new agency and set it up so all the policies renew on the same date. Now I will only have to deal with the whole insurance thing once a year for everything.

[asianthree]

You have to have been in the service or still living in the home ( child of service member). They do not insure you just because your dad or brother is or has been in the service. I tried.

Our kids had no problem getting usaa for their coverage on homes. Just needed correct information on their parents military records. One is closing on a home next month with a new policy from USAA. None have lived in our home for close to 15 years

[TCLaD]

USAA does insure in Florida. Switched to them last year.

[jacksonbrown]

These scam roofers will actually pair up with a lawyer to sue the homeowners policy if the insurers don't agree to pay for a new roof.

Do you know that for a fact; and, if so, please point us to links that support this statement.

We had our roof replaced under our homeowner's policy, after our roof was surveyed by the insurance company's adjuster and the repair approved, in advance, by our insurance company. Note that I write "insurance" company not "roofing" company.

During the repair, the installers found and replaced three, 4' x 8' pieces of underlayment, done at no additional charge to us, after having been approved by the "insurance" company.

Our out-of-pocket expense for the job was the deductible on our policy.

Having been in the insurance business for nearly three decades, please believe me that insurance companies WILL NOT spend a penny unless they feel that the expense is in their best interests.

[Topspinmo]

You have to have been in the service or still living in the home ( child of service member). They do not insure you just because your dad or brother is or has been in the service. I tried.

So there commercials on TV are BS.

[John_W]

I had USAA from 2011 until 2018, their rates were better in the beginning. I switched in 2011 because I was in Maryland and the company I was with went up $700 for two cars. USAA was cheaper than the price I was paying before. I was paying $901 and then it jumped to $1600, I had no tickets, I only bought a new car, a 2011 Mazda 3 Grand Touring, I traded in a 2007 Hyundai Santa Fe. USAA was $850 for both the Mazda and my other car, a Chevy Lumina, so I switched.

Everything was going along fine, only had one car here in Florida and I was paying $440 every six months. In 2018 I traded in a 2017 50th Anniversary Camaro with 3,000 miles, it had a sticker price of $39,500, my cost was $29,900. I traded for a new 2018 Hyundai Kona Limited model, my price was $24,200. USAA raised my premiums to $500 every six months ($120 a year increase). I called and asked why did you increase my premiums when I bought a cheaper car? They couldn't answer me, they said it's all done by computer.

After calling a few places, I found AAA was only $410 for my new Kona and in fact the second year it went down to $360 every six months.

[Dana1963]

I had USAA from 2011 until 2018, their rates were better in the beginning. I switched in 2011 because I was in Maryland and the company I was with went up $700 for two cars. USAA was cheaper than the price I was paying before. I was paying $901 and then it jumped to $1600, I had no tickets, I only bought a new car, a 2011 Mazda 3 Grand Touring, I traded in a 2007 Hyundai Santa Fe. USAA was $850 for both the Mazda and my other car, a Chevy Lumina, so I switched.

Everything was going along fine, only had one car here in Florida and I was paying $440 every six months. In 2018 I traded in a 2017 50th Anniversary Camaro with 3,000 miles, it had a sticker price of $39,500, my cost was $29,900. I traded for a new 2018 Hyundai Kona Limited model, my price was $24,200. USAA raised my premiums to $500 every six months ($120 a year increase). I called and asked why did you increase my premiums when I bought a cheaper car? They couldn't answer me, they said it's all done by computer.

After calling a few places, I found AAA was only $410 for my new Kona and in fact the second year it went down to $360 every six months.
I had similar experience with USAA was very overpriced on 2013 model again this year I asked for a price quote for 2020 weren’t even in the ballpark of AARP Hartford

[SharonW]

Other companies will also be sending non renewals to lower exposure.

[PugMom]

Your first mistake is using the villages insurance company. They are very expensive. I used an outside agency and my cost was 40% less for the same coverage. Also, if you read your sink hole portion of the policy you will probably cancel it.

not in our case. villages ins found us the best policy for what we needed. they compared costs openly & discussed everything along the way in person. maybe you needed a better representative. ours was great. feel free to pm me for more info

[cj1040]

We have had Amica for years - top rated by consumer reports- and no problems until last year. When traveling to New Zealand to visit our daughter my backpack was left behind and lost on the way back to the US with Rx glasses, kindle, cash, credit cards, clothing and more. I filed a claim with my travel insurance and after MUCH messing around they said I had to file with my homeowners first. Amica paid fairly promptly and then the travel ins company said I already got enough and they would not cover any more.
THEN my Amica policy rate jumped for the next 3 to 5 years - forgot what they said I was so angry. We had cars, umbrella and house with them.
Very angry with them so I dropped them for home owners but car and umbrella still with them. Building a new house at TV and will consider switching everything to another company.

[gego3650]

Ins policy now 3000 no claims, roof scams the reasons