Q: Is it legal for an insurance company to cancel the homeowners policy because our roof is nearing the end of its life?
We just closed on the home and have gotten several professional opinions in writing that our roof is fine and even has several years left.
A: Your question has nothing to do with real property. Besides the roof condition, you must read your Insurance Policy. That Contract will control your rights. In the mean time find another Carrier now. Non Insurance is a Default under your Deed of Trust. It is very doubtful that after you get another Insurer, you will have sufficient damages to justify a suit even if the Insurance Contract was breached.
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