Glad to hear you were able to get coverage!!!! It's happening here in California as well. I purchased my home 15 years ago, picked up an insurance policy with a well known company, added Earthquake insurance to the policy through CEA, purchased water sensors and an alarm system with a monitoring agency, and had my home retrofitted (bolted) which costed $7,500.00 out of pocket--JUST to make sure I was protecting both my home and my policy. Welp, October, 2023, California had a CRAZY hurricane type storm that came through. It took our 3/4s of my rear/side fence and ripped 1/4 of my roof off like it was absolutely nothing. I contacted my insurance company and filed a claim. While waiting for an inspector, rain began to leak into the house, I had didn't have time to wait for the claim's adjuster inspector, I had a licensed contractor out fixing the leaky area to mitigate further damage that was $2,200 out of pocket. Five weeks later, after insurance adjuster approved the claim, my roof was repaired and my fence was replaced. After paying my deductible, insurance company paid $8,700.00 for the fence and roof claim--I didn't add the $2,200.00 to be repaid I took it as a necessary lost. My policy covers $120.000 storm/rain damage and $825,000 for dwelling lost. $8,700.00 is less than 10% of my policy coverage. I'm thinking, I'm good. Two weeks ago, (eight months after the Storm and filing a legit claim), I received a non-renewal letter for my policy "due to me not residing in the home." HUH???? Wait, what???? I called them to inquire and to dispute their claim with supporting evidence---my mortgage and utility bills; however, they have NOT returned my calls, but keep sending me to an automated voicemail that says the mailbox is full. Last week I started calling insurance companies only to find out my insurance company has divided the storm claim as TWO separate claims with TWO separate claim numbers. They sent the information to C.L.U.E. as TWO separate claims; therefore, making it almost impossible to become insured outside of going through a Non-Admittance Carrier (located in the U.K. and have obligation to follow USA guidelines as they are not bound and can make up rules to a policy every other day). This Friday, after meeting in person with a well established Insurance Broker, I was told that NO insurance company is willing to offer me a policy because of the ONE filed claim that appears as TWO claims. This is unfair because the insurance company is not being honest with me or with the C.L.U.E. report with the only recourse being --- NOTHING. I now have NO coverage. My home, if it suffered fire damage today, would cost approximately $625,000.00 out of pocket to rebuild. I asked the Broker what are my options. Her reply, "Prepare for the worst. Save as much of the $625,000.00 as you can, keep your credit score in good-to-excellent just in case you need to secure a home renovation loan OR sell the home and rent for the next three years until the two claims fall off the C.L.U.E. report and start all over again." 😫 It makes no sense; however, it's happening everyday in California, I'm not the only one getting "the boot." It's just frustrating to see the insurance company not living up to their end of the policy contract just to keep their share holders happy.

@thesocialreset

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Thank you for sharing your experience. It's incredibly frustrating and disheartening to hear how you've been treated by your insurance company after taking extensive measures to protect your home and ensuring you had proper coverage. It's clear that you’ve done everything right - from retrofitting your home to mitigate earthquake damage, to having a contractor fix the leak immediately to prevent further issues. The non-renewal due to a supposedly false claim about not residing in your home is particularly egregious, especially when you've provided ample evidence to dispute it. It's alarming that they would also report your single legitimate claim as two separate ones, making it difficult for you to find new coverage. This seems not only unethical but possibly unlawful. It's deeply unfair that after all your careful planning and investment, you're left without coverage.Thank you for shedding light on what's happening in California and I hope you are able to find coverage soon.