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My husband and I have lived in our house for 2 years. There was a bad hail storm and our roof was destroyed. We filed a claim, and got a new roof. The county we live in was deemed a national disaster area, the storm was so bad. We had a roofer ready to come out and repair, but the wait was about 3 weeks, since people where having to come in from out of state to repair houses, the damage was so bad.
2 weeks later, another storm came through, it wasn’t as bad, but a large branch landed on our roof which had not been repaired yet. I called our Homeowners insurance and had an adjuster come out and make sure the new storm didn’t cause any decking damage to the roof, since the previous storm had not.
They came out, said the roof was fine, and I told them, great, no problem, I’ll remove the branch myself. End of story.
Later in the year, about 7 months later, our house got broken into, and the damage was pretty bad. I didn’t file a claim on any goods in the house, they just stole an old tv. I just filed for the cost to repair both the doors.
So, I have filed 2 claims in one year.
I got a letter stating they were cancelling my policy since I had three claims within a year. I called and asked what my three claims were, and they said
1) Hail Storm/Roof Replacement
2) Lightening claim/tree removal from second storm
I understand the Burglary one even though there was nothing we could do to prevent it or the hail storm, but I never filed a claim for the tree branch. They even said they showed that it was a zero dollar paid out claim.
I was not aware that simply having an adjuster come out to your house and assess the damage and then telling them you wanted no action taken was a claim? Am I wrong?
Also, it is very hard for us to find homeowners insurance now. I’ve tried and they won’t remove the “Non paid claim” off my report. Is it wrong of me to want them to remove something that wasn’t even a claim? There was no damage done!
Thanks for reading this lost post..I’m just really frustrated.
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