Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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If your home insurance was canceled, don’t panic. You have rights in these matters. Never forget that. You have both the right and the opportunity to dispute the cancellation of a home insurance policy.

Read on to learn all about what to do if your homeowners insurance was canceled and then be sure to enter your zip above for free home insurance quotes from many different companies!

Get a Written Explanation

First things first, call your insurance company and ask for a written explanation of why your homeowners insurance policy was canceled. The law requires that they provide you with a clear understanding of why you were either rejected for renewal or had your policy canceled.

This letter will be your starting point for disputing the cancellation or for cleaning up your record so that you may have the opportunity of soliciting better insurance elsewhere.

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Get a CLUE Report

While they are busy preparing the formal letter of explanation do some research on your own. Your cancellation or denial letter will have your Comprehensive Loss Underwriting Exchange (CLUE) reference # somewhere within it. There are various websites that can provide you with your CLUE report; the Lexis Nexus “Choice Trust” is one example. There are others, so do your homework.

Once you have your report in your hands review it for any inaccuracies or “wiggle room”. Start formulating your case in advance based upon this document. Remember that they cannot discriminate on any physical (age, race, gender, country of origin, disability, etc) attribute. They may only alter your policy based upon “actuarial principles”.

What are “actuarial principles”, you ask? They are items in the underwriting process, outlined in your CLUE report that can show that your home represents a high risk, or greater loss risk, than other homes they choose to insure. In layman’s terms, if your home is constantly being flooded out they can show it as a high insurance risk.

As you go through your report make note of any items that you deem unfair. Coordinate your response with accurate information and any laws that may pertain to your region. Contact your state insurance commissioner and ask for a support representative. They can offer invaluable assistance in preparing your rebuttal, and, possibly, offering you insurance alternatives should you live in a region such as the Gulf Coast, Florida, etc where hurricanes and other disasters occur to large segments of their population.

Prepare a Written and Oral Explanation

Provide both a written and oral explanation to your insurance company of why you feel that their underwriting was in error. Include any items that have been mitigated since the report was created. The written explanation should be sent via certified or other track-able mail.

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Contact the State Insurance Commissioner

If they do not respond to you within 30 days you may then take your case back to the state insurance commissioner for resolution. It is important to note that many states will force your insurance company to keep you insured while the dispute is being resolved; therefore, you ought to ask your state insurance commissioner about your state’s policies regarding the issue. If your state allows you that opportunity make use of it.

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Shop Around for a New Insurance Company

If you have already attempted to renew your policy without success, then it is time to start shopping for another insurance company.

Return to you CLUE report. What items on the report are “fixable”? Do you need a new HVAC system? Does your roof need fixing? Are there dead trees that can be taken down? Work to resolve the issues on the report as best you can prior to shopping for new insurance. Remember, you wish to mitigate the risks outlined in the report.

It is also important to note that many states will provide forms of homeowner’s insurance to individuals. The FAIR (Fair Access to Insurance Requirements) pools exist in 32 states. Yours may be one of them. These plans are usually at rates higher than private companies, but it will cover you until you can lessen risk and rebuild your insurance history. Again, the state insurance commissioner is your friend. Many states have representatives that will help you find insurance companies that will cover you.

It may be possible to negotiate with your lender for “less” coverage temporarily while you seek other policies. Phone calls are cheap and it never hurts to ask. Prior to calling your lender make a phone call to the HUD office and see what your options are as far as insurance coverage and your loan.

Many times having support from federal agencies gives you a better bargaining position with lenders and insurance agents. Private companies don’t want to have to deal with state or federal complaints and will try to work to resolve any issues that have the attention of the government.

As with all things, do your homework. Enter your zip code to find and compare free insurance quotes!