MORE Homeowners Insurance Trouble

After thinking I was all set with my new United Property Casualty policy issued in early July, I just this weekend received a cancellation letter from them - citing missing railing on a stair/deck and lack of a 4 pt inspection. Now, I had the 4 point inspection completed on June 4th, as it was required for underwriting the policy. At that point, they were to give me 30-60 days to fix any issues they found with the property. My agent told me I was all set. So I am really not a happy camper. Insurance has become such a huge issue for ANYONE in Florida, let alone those of us in older homes. Just the fact I'm being cancelled will likely make it harder and much more expensive to get another policy, even though I did everything I was asked to - why they do not have my inspection, I don't know - did the agent not submit it, and they just got around to underwriting the policy? Is that my fault? I have emails and calls into the agent - and I will hopefully speak to them in the morning between meetings - hopefully this is a fixable mistake. It's been a Summer I don't want to repeat any time soon....job loss, pay cuts, insurance....bleh.

Things are Looking Up

Well, the hens must be happy - 4 eggs this week, 3 from the young hens and 1 big brown one from one of the older hens. I think we are back in business.

Also on a positive note - I have been working with an Allstate agent who has given me a quote for homeowner's insurance about 15 bucks cheaper than my current premium, with the same coverage, including replacement cost. Not bad...I was fearing the worst; a $10K premium or something along those lines. I can sleep now!

United Property Casualty insurance company is not all crazy about insuring older homes. Thank goodness!

The Dreaded "Letter"

I knew it was bad....not time for any kind of correspondence from our homeowner's insurance company. Not thick enough for policy documents. Just enough paper in there to "notify" us. We're being dropped. After using Liberty Mutual since we moved to Florida in 2002, they are dropping us. They need to make changes in their coverage areas. The hurricanes of '04 & '05 are still affecting them. I guess they're affecting us now too. boy that stinks. It's pretty darn hard to find coverage for a 1915 wood frame house. It will be even harder to find coverage we can afford. We pay $3100 annually now...and from what I understand, that is very low for old house coverage. We get a hipped roof discount (substantial) along with the monitored security and updated systems discounts.Wish us luck!