My father forgot to settle a home insurance premium. Our insurance be cancelled. How can I return with contemporary insurance?
I have tried to get a unsullied policy, but most companies won't even give me an estimate. I have tried twice to carry policies from companies that gave me an estimate but both companies didn't accept the pay. We are in Wisconsin and have never have an insurance claim in more than 20 years, so I don't think it depends on hurricane Katrina. I own been told that if I was a latest owner I wouldn't have any problems, but we have have our house since 1945. Could I sell it to my husband? We have well-mannered credit and my father simply forgot to send the check (he was 92).
Answers:
If you lived in CO, I'd write you today!
Call around to some different insurance companies, something doesn't come across right. Having a lapse in coverage may raise your rate, but you should know how to get insurance without too much fuss. Source(s): Insurance Agent
It sounds like your home is unlived in, which is the cause of your problem. Obtaining insurance on a vacant home is exceptionally difficult and will require time to find a speciality company to handle this for you. I'm assuming this as you stated that you will be out of the States until July.
1) If the house belongs to a trust, it has to be insured contained by the name of the trust and must be signed by whomever is responsible for the trust,
2) many companies won't insure a house that isn't owner-occupied, so if it is disused, this may be your problem,
3) it could be time to rewrite your homeowner's policy, in which case, most companies require an agent to photograph the house, land an appraisal to make sure the policy has satisfactory coverage for what the home is worth, and usually the owner (in your case, the person responsible for the trust) would hold to sign the rewrite
4) some companies put an age limit on homes, like they may speak if your house if more than so many years old, it have to be written on a different type of policy, again, requiring a signature
5) no insurance company can flat out cancel a policy without giving you some sort of sense (a letter, a phone call, etc), usually a distinguish of at least 10 days is required...this letter and/or phone hail as would have to list the pretext for cancellation as well
My suggestion? Call the agent who had the policy (the guy at State Farm) and ask him what is going on and what you need to do? If he can't write it, the least possible he could do is refer you to someone who can. Most agents will refer you to another agent if they can't help you, to not do so is lazy and in recent times plain rude.
And I'm with everyone else on here. It sounds like you're departing out a piece to this puzzle of confusion. Or maybe you've just misunderstood something. Call the agency who have the policy and ask for clarification. Source(s): I work in insurance in NC
Do you have a local agent?
Get one if you don't.
Look them up contained by the yellow pages, and sort that call.
Something doesn't net sense. Is there something wrong with the house, does it stipulation paint, new shingles?? Did you sign an application for a new policy? Insurance companies will adopt a payment unless they are unable to insure the house for some source. There is something else to this story that you either don't know or aren't telling us. Contact the companies that wouldn't adopt the payment and find out why
Apply here. http://www.tkqlhce.com/click-1748196-103…
what are you not telling us? this make no sense at all. Source(s): agent
Whoever owns the home has to obtain the new policy. What's the problem? Are you trying to insure the house for sillly low? Is it owner occupied?
I'd suspect you only just aren't trying hard enough - contact a local, independent agent. You *might* hold to go with a high-ranking risk company for one year, if the house has been uninsured for more than a month or two, but an independent agent should know how to place it, unless there's an inherent problem with the house. Source(s): agent, 21+ years
run on line and explore the possibility of new insurance company's don't tender up to easy there must be some firm that will insure you. ask around your friends see if they will create a recommendation for you.
Related Questions:
Answers:
If you lived in CO, I'd write you today!
Call around to some different insurance companies, something doesn't come across right. Having a lapse in coverage may raise your rate, but you should know how to get insurance without too much fuss. Source(s): Insurance Agent
It sounds like your home is unlived in, which is the cause of your problem. Obtaining insurance on a vacant home is exceptionally difficult and will require time to find a speciality company to handle this for you. I'm assuming this as you stated that you will be out of the States until July.
1) If the house belongs to a trust, it has to be insured contained by the name of the trust and must be signed by whomever is responsible for the trust,
2) many companies won't insure a house that isn't owner-occupied, so if it is disused, this may be your problem,
3) it could be time to rewrite your homeowner's policy, in which case, most companies require an agent to photograph the house, land an appraisal to make sure the policy has satisfactory coverage for what the home is worth, and usually the owner (in your case, the person responsible for the trust) would hold to sign the rewrite
4) some companies put an age limit on homes, like they may speak if your house if more than so many years old, it have to be written on a different type of policy, again, requiring a signature
5) no insurance company can flat out cancel a policy without giving you some sort of sense (a letter, a phone call, etc), usually a distinguish of at least 10 days is required...this letter and/or phone hail as would have to list the pretext for cancellation as well
My suggestion? Call the agent who had the policy (the guy at State Farm) and ask him what is going on and what you need to do? If he can't write it, the least possible he could do is refer you to someone who can. Most agents will refer you to another agent if they can't help you, to not do so is lazy and in recent times plain rude.
And I'm with everyone else on here. It sounds like you're departing out a piece to this puzzle of confusion. Or maybe you've just misunderstood something. Call the agency who have the policy and ask for clarification. Source(s): I work in insurance in NC
Do you have a local agent?
Get one if you don't.
Look them up contained by the yellow pages, and sort that call.
Something doesn't net sense. Is there something wrong with the house, does it stipulation paint, new shingles?? Did you sign an application for a new policy? Insurance companies will adopt a payment unless they are unable to insure the house for some source. There is something else to this story that you either don't know or aren't telling us. Contact the companies that wouldn't adopt the payment and find out why
Apply here. http://www.tkqlhce.com/click-1748196-103…
what are you not telling us? this make no sense at all. Source(s): agent
Whoever owns the home has to obtain the new policy. What's the problem? Are you trying to insure the house for sillly low? Is it owner occupied?
I'd suspect you only just aren't trying hard enough - contact a local, independent agent. You *might* hold to go with a high-ranking risk company for one year, if the house has been uninsured for more than a month or two, but an independent agent should know how to place it, unless there's an inherent problem with the house. Source(s): agent, 21+ years
run on line and explore the possibility of new insurance company's don't tender up to easy there must be some firm that will insure you. ask around your friends see if they will create a recommendation for you.
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