Re: Deny homeowners insurance for having a wall heating system?

You have a solid case for insurance fraud. They are trying to get out of paying the claim by denying coverage and canceling your policy. If you have proof you were insured or proof of payment for the insurance than you were covered. Since they gave you ten days to find another company they are admitting that you are covered because the law states that they have to give you ten days to find new insurance before they can cease coverage of your home. You need to take immediate legal action in order to protect your rights. Do not contact the insurance company until you have spoken to a lawyer. The reason I say this is because what they are doing could be considered fraud and would greatly increase your damages in court. In order to give you a better idea of where you should go from here I would need to speak with you. You can reach my office, toll free at 877-546-9918 or by email at Johnhayeslaw@cs.com. If you email me, leave your name, number, and a good time to call either today or tomorrow and I will call you at your convenience. I look forward to speaking with you.

Sincerely,

John Hayes

Re: Deny homeowners insurance for having a wall heating system?

From your description of the facts, the insurer

is trying to avoid paying the claim. But their

grounds do not make sense - your heating system

or retrofitting for earthquake are irrelevant

to a "weather conditions" claim.

Are you sure exactly what paperwork the escrow

sent the insurer? Did you take over the seller's

policy? Or did you get a new policy with the

same or with a different insurer?

What kind of application did you fill out, or

what did you represent to them that you

owned for them to insure. How much of the annual

premium did you pay? Did you receive a refund?

Something doesn't sound right. If this is not

straightened out immediately, you will have to

obtain new coverage. Your lender won't appreciate

seeing this cancellation notice either.

Please call me if you would like to discuss

this.

Re: Deny homeowners insurance for having a wall heating system?

Call me for a free 10-15 minute discussion

Francis Doherty

415 421-8890