Can an insurer/underwriter legally refuse me homeowner’s insurance because of the neighborhood in which my property is located?

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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 9 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.


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