Insurance Fraud Reversed??
 

I am writing today to present a problem that I have never experienced and am hoping that someone may have some 'words of wisdom.'

I recently received a letter from my homeowners Insurance Company canceling my insurance.
(Stay with me, I DON'T have an old roof).I purchased the policy in August 2021, almost two years ago. This is exactly what the letter said.

"The reason for nonrenewal is Ineligible Risk/Dwelling According to our policy information, the Manufactured Home is not built in full compliance with the American Society of Civil Engineers Standard ANSI/ASCE 7-88 adopted by the U.S. Department of Housing and Urban Development on July 13, 1994, and therefore is ineligible for the program per the underwriting guidelines.

Would someone please explain to me that after almost 2 years (with no claims) they now have found a defect that makes me ineligible? To me this feels like reverse fraud (hence my title).
Can anyone shed some light on this, I am just at a loss?

Thanks for any responses.

I am guessing it took them that long to get around to checking on the vintage of your house.

Have you contacted a real estate lawyer or an insurance lawyer?

You won’t win, find a new company, same for preowned home, they will write the policy then 6-8 months later cancel you because something isn’t up to date

There are not many insurance companies that will insure a manufactured house. And, those that do may not insure it for the full value. In some cases, the premium is so high and the insured amount is so low, that it may make more sense to self insure.

Persons insurance was cancelled. Unless that person has a pending claim, not financially worthwhile to hire a lawyer. Needs to find a new agent or agent needs to find another insurance company.

You can probably still get fire, liability, and theft insurance on your home pretty reasonably. It's the wind/hurricane damages that are the problem.

This would be my guess also.
Somewhere they need to explain.

It would be helpful to potential new pre-owned manf home owners to share what company cancelled you.

Roofers insurance fraud strikes again

I looked up that standard which relates to: … requirements for general structural design and includes means for determining dead, live, soil, flood, wind, snow, rain, atmospheric ice, and earthquake loads, as well as their combinations, which are suitable for inclusion in building codes and other documents.

What year is your home? Do you have tie-downs? Who is the company that insured you?

This.
I found that when I was considering purchasing an investment property in the historic district that insuring can be difficult. Many codes have been changed since those were "built" (placed there) and after a lot of research, I decided it just wasn't in my best interest. Even if they insure you to start with, there will be multiple reasons that they can decide to stop insuring you.

Lookup "post-claims underwriting". In some cases, insurance companies will insure your home or your life without doing full diligence to whether you meet the requirements of the insurance being offered. Meanwhile you're making your insurance payments and feeling secure that you'll be covered.. Then when a claim is made, they can say you were not eligible.

Check out ‘Foremost’ Insurance

Contact Foremost Insurance directly - not through an Insurance Broker. They will most likely give you insurance. It is cheaper to go direct to Foremost then to go through a broker since the brokers need their cut also.

You can try contacting a state agency like Florida Office of Insurance Regulation (OIR). Search for FLOIR.

Back in my home state (bundled insurance homeowners with auto) our rates went up when I filed two small claims less than what amount they had in our policy that would indicate a rate increase. When I wrote to the state insurance commissioner, the insurance company said the rate increase was due to having two young drivers on our policy and we couldn't argue with that. So we changed companies soon after that.

Good luck!

Last I heard, foremost insurance does not work directly with the consumer, but rather through insurance agents.

Also, I believe it is more common for life or health insurance companies, rather than property insurance companies to conduct post-claims underwriting reviews. The OP technically didn’t get canceled, but non-renewed.

I bought a manufactured home in late 2016 and had absolutely no problem getting very reasonable rates under $1000 yearly that have gone up very slightly since then here. Brightway Insurance | Get a Quote

No, I DON'T have an old roof. The name of my company is American Modern.

Just for the record, foremost no longer writes homeowner policy in Florida as of last year.

Just mailed a check to Foremost to renew homeowners insurance.

I lived in a modular home in N Ft Myers and there was a lot of damage to it after Ian. I had insurance from Citizens, the insurance as a last resort, they paid me $49,000. Lots more damage than that. Therefore I will never live in one again, or on a coast of FL. So I am
Moving to TV

There's difference between writing new policies and continuing current policies...

For folks who have foremost, you are ok at this time. Just not taken on new customers in Florida.

Easy answers: #1 - forget the lawyer and attorney suggestion. SMH. 2. Go to the insurance broker on 441 in the area where Best Buy is "All in One Insurance" 526 N US hwy 27/441 Lady Lake.844 500-3592. They have co's that insure Manufactured homes. 3. My guess is your current ins co just changed their requirements for ins on manufactured homes. 4. Claims or no claims are not relevant. Good luck!