Insurance non renewal in NJ

[Nick G.]

Hello,

My insurance Co is not renewing the policy.

Background:

There was a fire on 7/27/2017 which was determined to be caused by cooking on the deck. After that fire the property was extensively rehabbed, including new roof, new plumbing, complete rewiring including service line. insurance rates were not affected and policy was renewed.

In April 2020 there was another fire (in the attic at eave) that was determined by investigating electrical engineers from Ins Co to be caused by an over-tight wire staple from the 2017 rehab. This claim was subrogated and lawyer is filing lawsuit against general contractor.

Right at the completion of the April restoration work there was there was another fire at the end of August. This was also in the attic at the eave about 4 foot from the April fire. This has been preliminary investigated by electrical engineers who said there was a short circuit on one of the interior house circuit(s) to the stucco (which is under the siding) lath/mesh. They are coming back with the electricians, contractor and company lawyer etc on later in October to investigate further in their presence. No doubt that will be subrogated too.

The property does not have a mortgage.

Any advice on obtaining new insurance? Is it worth appealing? Should I contact the State Div of Insurance for advice? Go through a broker?