Ask Betsy! November 2013
I moved from my home in Larksville and am now renting it to my niece. I have complied with all ordinances and regulations, but in notifying my insurance company a problem arose. I got a letter saying that my current policy will expire on February 19th and a check for the policy payment of 300 dollars. I immediately called the insurance company and they said that is how we do it, cancel one policy, then rewrite another. So I called them again several times, still getting the same old . . . they are working on it. Finally, on March 5th I called and I got the guy who was working on it and he informed me that the company decided not to write me a new policy because there are problems with the house: a broken window pane in the attic and the garage leans. Also, the tenants have a blanket on the one window, so there must be something wrong with the window (there isn’t). They just did a drive by. I wasn’t given a chance to correct these problems, they just plain-old cancelled me.
Now my mortgage company says they need a policy faxed to their office ASAP. I called them and asked them if I could get insurance through them, they put me through to their insurance agent and he flat out declined me after three questions because the roof is old, the furnace is old and my tenants have dogs! I took off from work to try and find insurance and nobody will even look at it. I was referred to PA FAIR PLAN to secure insurance. They said that after I have exhausted all possibilities—and I think I have—they will cover my house, but only for the property, so I still have to obtain liability insurance elsewhere. But where?
So now I have been without hazard insurance for exactly one month. What kind of trouble am I in? Can they just cancel me like that? HELP! I am losing sleep over this and I am a nervous wreck. Thank you for listening to my plight.
Sleepless in Wilkes-Barre
Give my friend Rich Scalice a call. His # is 570-595-9640. There aren’t many companies that handle rental or vacant properties, but he has gotten me coverage on my properties at reasonable rates.
Let me know how it works out for you.
OMG! I called Rich, and he sounded too good to be true, he is going to help me, I am so grateful to you for helping me solve my dilemma… not out of the woods yet, but I am no longer at the end of my rope. TY
Just thought I would check to see if everything worked out for you.
Sorry, I thought I emailed you. All is great and thank you again for all of your help!