Why did my insurance company cancel my policy after the repairs were completed?

How can my insurance company cancel my insurance after I paid for the repairs? They had sent a letter saying I had 60 days to repair the deck, replace the fuse box, and replace missing shingles. Everything was completed and I sent the receipt along with the signed form to my agent around the 55-day mark. Now I have another letter saying my policy is canceled for not getting the repairs completed! What do I do?

Answer
“Your insurance company can cancel the policy if the repairs weren’t made on time, but it sounds like yours were. The first step towards fixing this debacle is to contact your direct agent.
There may have been a simple delay in paperwork since it was turned in so close to the deadline. By the time your agent sent it to the underwriters for review, the cancellation notice may have already been on its way to you.
If this is the case, the underwriters will finish your policy review and reinstate the policy without a lapse in coverage.
If somehow they did not get the documentation, speak to a supervisor and explain the situation. See if you can email the forms directly to an underwriter so they can see the date the work was completed.
If there were other reasons your policy was deemed undesirable, the insurance company may use this as a way of getting out of the policy contract and they will not restart the policy.
This means you will need to shop for a new policy, and it would be a good idea to go with a more reliable agent! Since you may be changing companies anyway, now is the perfect time to re-shop both your home and auto insurance policies. By bundling your auto and home insurance, you can save with a multi-line discount.
Use the free Jerry app to help make this happen! Jerry collects auto and home quotes from over 50 companies and brings the lowest available rates right to your phone.”
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Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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