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Updated over 2 years ago on . Most recent reply
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Insurance being cancelled- what should I do?
Hello,
I switched my insurance over to a rental property policy about a month ago and I just received a letter in the mail saying that my policy was being cancelled in 14 days due to the roof being in unacceptable condition, having multiple repairs. What should I do about this? The roof was repaired when I purchased the property 3 years ago, and works well still. I prefer not to replace the roof , but also am worried that if I don’t have insurance, then there could be an issue with my mortgage, which I am still paying off
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Sam,
The first suggestion is to see if you can go back to the previous insurer. If so it will lower your stress to know the worst case.
So other areas to check:
1. Shop other agents
2. Check with agents that write commercial policies.
The issue with the forced place coverage that your bank will put on the property if you don’t replace the policy, is that normally, it will not cover your equity, contents, loss of use/rents, liability, etc.