Can an insurer/underwriter legally refuse me homeowner’s insurance because of the neighborhood in which my property is located?
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Can an insurer/underwriter legally refuse me homeowner’s insurance because of the neighborhood in which my property is located?
The underwriter is attempting to cancel my policy, citing neighborhood and other property values in the immediate area. They are also threatening to cancel based on their claim that the roof of the property needs to be replaced, when in fact they are looking at an unused and uninsured outbuilding instead of the actual home on the property. Nothing I do or say has any effect on their position. What recourse have I?
Asked on June 26, 2012 under Insurance Law, Georgia
Answers:
MD, Member, California Bar / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
The insurer can cancel your policy but under extremely limited conditions. Contact the Georgia Department of Insurance immediately, review the FAQs on the homeowner's insurance matters and file a complaint. Your consumer complaint will probably be your best for resolution, especially if you have the regulator reviewing the matter.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.