Navigating Home Insurance Cancellation in Pennsylvania

As a Pennsylvania homeowner, encountering a Home Insurance Cancellation can be distressing. In recent times, Pennsylvania homeowners may have noticed an uptick in the number of insurance policies being non-renewed or canceled mid-term. These actions are often justified by insurance companies as a response to an “increase in hazard.” As a homeowner, it’s crucial to understand your rights and the proper procedures that must be followed by your insurance carrier if they decide to cancel your policy. Here’s what you should know:

  1. Specific Reasons Required: If your home insurance is being canceled, the insurance company must provide a clear and specific reason. General statements such as ‘not meeting underwriting guidelines’ are insufficient. The notice must also include other important details as required by law.
  2. Opportunity to Remedy: Before canceling due to an increased hazard, your insurer is obliged to inform you of the issue, in writing, and give you a chance to fix it. This could include making repairs or taking steps to reduce risk. They can only proceed with cancellation if, after a reasonable period, you haven’t addressed the problem.
  3. Advance Notice: You should receive a cancellation notice at least 30 days before the cancellation date. This allows you time to take action or to find alternative coverage.
  4. Right to File a Complaint: If you believe your policy has been improperly canceled, you have 10 days to file a complaint with the Pennsylvania Insurance Department. Timeliness is key, even if you can’t provide a detailed explanation right away. Filing promptly is essential so that the Department can begin an investigation.
  5. Possible Reinstatement: If you file a complaint and it’s determined that the insurance company did not follow legal procedures, the Department has the power to order them to reinstate your policy.

Remember, as a homeowner, you have the right to be informed and to challenge decisions that you feel are unfair or not in compliance with Pennsylvania laws. If your insurance coverage is threatened, don’t hesitate to reach out to the Pennsylvania Insurance Department for assistance and to ensure your rights are protected.

Remember, you are not alone in this. You have legal rights and avenues to appeal a Home Insurance Cancellation. Stay informed and prepared to protect your home and your peace of mind. McGroarty & Bradburn Insurance is here to help if you are experiencing an issue or just want the right coverage at the best price. Visit our home insurance webpage to learn more.

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