When you switch home insurance providers, is your old provider still on the hook for any previous claims?

I just switched to a new home insurance company, but my old insurer is in the middle of settling my claim regarding some damage to my fence. Is my old insurance company still responsible for handling this claim?

Answer
Yes, that’s correct. Homeowners insurance companies are still responsible for a claim or loss that happened while you were actively insured with them, even if you canceled or switched providers after the fact. They are not permitted to default on a settlement simply because you are no longer an active policyholder with them.
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Alexah Grinnell
Answered on Mar 25, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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