Why did my insurance company drop me for damage that has been on the house for years?

Why did the insurance company cancel my policy for the damage they have been aware of for years? The deck on the back of my house has been rotting away and the stairs aren't used anymore. No big deal; we just stopped using the back door and get to the backyard through the garage.

Answer
“Insurance companies can deem structures that are worn down from wear and tear unsafe, and if they aren’t repaired promptly, they can cancel the policy.
It could be that they may have recently upgraded their underwriting criteria and the deck is no longer acceptable in its current condition.
Liability claims get filed against homeowner’s all the time for injuries resulting from rickety stairs and unsecured railings. Even though you don’t use the back door yourself, if anyone on your property gets hurt from a poorly maintained deck, you will be held financially responsible.
Do you remember receiving a letter in the mail asking for your deck to be replaced or repaired?
In most cases, insurance cannot cancel your policy without warning and should have offered you a time frame to have the repairs completed.
At this point, your only course of action is to find another insurance policy. Keep in mind that most insurance companies will send out a home inspector within the first 30 days of the policy. The odds are they will also send a letter requiring the deck to be repaired.
Since you are already shopping for a new home policy, now is a good 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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