Home Insurance Cancelled?
 

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??

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.

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.

Canceled

Question or a statement.

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

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

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.

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

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.

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.

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.

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!

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.

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.

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.

:1rotfl::1rotfl:

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

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.

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

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

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

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

Usaa Insurance
 

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.

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

Stop using the villages ! I got a quote from ASI (progressive) for identical coverage villages wanted 100% more ! Call progressive

Stay away from the villages for banking insurance everything

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.

:blahblahblah:
housing, golf, pickleball, golf carts, fishing, music, tennis, rec centers, pools, social clubs.............yep, the lifestyle is really bad. :MOJE_whot:

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

I have tower hill and my insurance was down a little
 

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

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.

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

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.

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

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.

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.

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.

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.

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