What’s wrong homeowner’s insurance company?  You won’t pick up your phone.  My calls go unanswered.  Why don’t you love me anymore?  All I have is this cold letter saying you will no longer insure me.

I don’t understand?  A month ago you agreed to insure my new house.  The inspection came back perfect and even the FHA inspection came back perfect.  I have given my all, I swear.  But now you’re saying I’m dropped–without a chance to make it up.  How could this be?

My Homeowner’s Insurance Company Dumped Me

Yes it’s true–my homeowner’s insurance company dumped me. Without warning they kicked me out.  I think it’s because I created a fuss. You see I complained about a few of the insurance company’s policies.  I also irritated a few of the insurance companies employees.  I was just trying to speak my mind and stick up for myself.

They said they would take care of the problems but a few days later and without warning they dumped me in the most callow way possible.  I went to login to the insurance company website and was denied access– I was no longer welcome.  The next day I received a letter saying my homeowner’s had to drop me because in their opinion the roof to our new house was too old.  I asked for a chance to make it better and even apologized to the head manager–but the decision is final.

I’m not sure about the legality of everything yet, but what I have learned is that there is a type of central database.  So when I went to try and obtain insurance with other companies, the negative information is on file.  For that reason it has been really difficult to get new insurance.  They also mentioned, aside from the roof, that there was peeling paint on the side of our detached garage.  I think that is a major overreaction as well. This also brings up questions about how I deal with this sort of thing in my money manager software as insurance premiums are obviously a part of that.

So, what do you do in such a situation?  It almost makes me want to start my own insurance company–one that will treat people fair and with respect.

Aside from that…what ideas do you have?




Chris Thomas, owner of the online freelance writing and web-copy company, FreelancePF. Chris’s interest in personal finance stems from leaving grad school with six figures in student loan debt.