What Can You Do After a Non-Renewal Notice?
The Colemans’ story raises a critical question: What should homeowners do if they’re hit with a similar non-renewal notice? If you find yourself in this situation, there are a few key steps to take.
First, request a detailed explanation from your insurer about the reasons behind the decision. You have a right to this information, and it may help you challenge the non-renewal if you believe the decision was made in error.
Second, consider hiring a third-party inspector, like the Colemans did, to verify the condition of your property. This gives you documentation to present to the insurer.
And finally, if all else fails, you can look into alternatives like the California FAIR Plan, which provides fire insurance for high-risk properties that can’t get coverage through traditional means.
Technology and Home Insurance
The Colemans’ case is part of a broader shift in how insurance companies are doing business. Using drones, satellite imagery, and AI to assess properties is becoming more common, but the technology isn’t perfect—and when it fails, the consequences can be dire for homeowners.
“We’re seeing this more and more. Insurers are leaning on technology to reduce their portfolios, and while it makes sense from a business perspective, it raises serious concerns about fairness and accuracy. Homeowners need to be aware of this trend and know their rights.” – Samuel A. Lopez
As more insurers adopt these tools, it’s crucial for homeowners to stay informed about how their homes are being evaluated—and to push back when the technology gets it wrong. The Colemans’ story is a reminder that, while technology can be useful, it shouldn’t replace common sense.
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