Legal Question in Insurance Law in Florida

I've had the same HO insurance w/o any claims or lapses for the last 17 yrs. Suddenly I get a call from some company in another county telling me that my insurance company has "selected" me to get a windstorm mitigation inspection; that they need access to my roof. My insurer is the original insurer when the house was built 17 yrs ago & that's the only time I've ever heard an insurer needs to check the property unless there 's a claim for damage. I told them to have my insurer send me a written letter or "bug off" as it smelled like a scam; It's awfully stupid to want to crawl into a SFL attic in August. Lo & behold, I get a letter from my insurer but it's a notice of non renewal for "failure to comply with underwriting requirements"! I've looked over my just renewed policy & do not see any language pertaining to me allowing third parties into my attic as a "selected home" for random inspections - other than when I file a claim. I never got any explaination but after the years of getting "accidental" cancellations after my always on time premium payments, I find this suspicious of being an excuse to cancel a modest premium. What are my consumer rights in restoring my renewal rights?

Asked on 10/01/11, 9:11 pm

David Slater David P. Slater, Esq.

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Appeal and file a complaint with the Florida Department of Insurance.

Answered on 10/03/11, 11:39 am

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