Florida Home Insurance Non-Renewal Help
Received a Non-Renewal Notice? Don’t Wait Until Your Policy Expires.
If you’ve received a Florida homeowners non-renewal notice, don’t wait until the policy is about to expire. There may be other options, but replacement coverage can take time to evaluate. Send me your current policy and the non-renewal notice and I’ll review the situation, explain what I see and help you explore available alternatives.
Why Was My Florida Home Insurance Non-Renewed?
Possible considerations can include roof age or condition, property location, coastal or hurricane exposure, prior claims, property condition, changes in underwriting requirements, changes in carrier appetite, or an insurer reducing exposure in an area.
Roof Age or Condition
Roof age and condition are common underwriting considerations. Requirements vary by insurance company and by the individual property.
Property Location
Some insurance companies limit how much business they’ll write in certain areas, particularly where catastrophe exposure is greater.
Coastal or Hurricane Exposure
Distance from the coast and hurricane exposure can affect which companies are willing to insure a property.
Prior Claims History
Prior claims may affect renewal or replacement options, depending on the type, frequency and circumstances of the losses.
Property Condition
The age and condition of plumbing, electrical systems, water heaters and other major components may also affect underwriting.
Changes in Underwriting
Insurance companies change their underwriting requirements from time to time, which can affect whether a home remains eligible.
Changes in Carrier Appetite
An insurance company’s appetite can change. A home it insured last year may no longer fit what it wants to write today.
Insurer Reducing Exposure
An insurance company may reduce the number of policies it writes in an area to manage its overall exposure.
How I’ll Review Your Non-Renewal
I’ll review what you have, look at why the policy may have been non-renewed and help determine what alternatives may be available through the markets I can access.
Upload Your Policy & Notice
Send your current homeowners policy and the non-renewal notice.
I Review the Situation
I’ll review your existing coverage and the property details that may affect replacement options.
I Explore Available Markets
Where appropriate, I’ll explore insurance companies and specialty markets that may be available.
Understand Your Options
I’ll explain meaningful differences in coverage, limits and deductibles so you can make an informed decision.
Why Timing Matters
Starting before your policy expires gives me more time to review the documents and explore possible alternatives. Replacement coverage is subject to availability and the insurance company’s requirements.
Non-Renewal Review Intake
Please send both your current policy and the non-renewal notice. Having both gives me a better picture of your current coverage, the timing and what we may need to address.
Prefer to talk? Call me directly at (561) 770-6600.