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Southern Colorado Insurance Center Blog

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What to Do If Your Homeowners Insurance Policy Is Canceled Due to Claims

Many insurance companies will elect to cancel your homeowners insurance policy if you make too many claims within a specified amount of time, which can vary from insurer to insurer. In most cases, you can't control when disaster will strike your home, so it can be incredibly frustrating when an insurance company you have been working with for years suddenly decides that it is no longer willing to insure you. As challenging as this situation might be, there are things you can do to better your situation.

When an Individual Claim Is Denied 

In some cases, your insurance company won't necessarily cancel your policy, but rather deny a specific claim against it. This is a much easier problem to deal with. For starters, you should review your policy details carefully to verify that your claim should be covered under your policy. If it looks like it should be covered, your first step is to simply contact your insurer to clarify the coverage in question. This is typically a simple solution, and an easy place to start.

When Your Entire Policy Is Canceled 

If your insurance company cancels your policy for making too many claims, your path will be a bit more challenging, but Souther Colorado Insurance is here to help! Each insurance company sets their own criteria for cancellation of policies, so just because one company won't cover you doesn't mean that others won't as well. It may take a bit of shopping around, but we’ll likely be able to find another insurer that will gladly accept your business. Keep in mind, though, that you may have to pay a different premium than you previously were, as you may be considered high-risk for a while. Over time, if you can avoid making claims on your policy, your rates should go back down to more normal levels. 

Get Help at Southern Colorado Insurance 

We work with a variety of homeowners insurance companies, so you can count on our team to help you find the coverage you need. We'll advocate with these companies on your behalf to help you get the most favorable rates for your situation. It all starts with a simple phone call, so don't hesitate to reach out to us at 719-329-4441 to learn more about the options available to you.