I Just Got Non-Renewed
If you opened the mail today and your insurer is dropping you, start here. The pages in this section walk through what the letter actually means and what to do — in what order — before your coverage ends.
Where to start
Two things are true at once: the clock is real, and you have more time than the letter makes it feel like. A non-renewal (your insurer declining to offer a new policy when the current one ends — different from a mid-policy cancellation) is almost always a portfolio decision about your ZIP code or roof age, not a judgment about you. Most states require 30 to 90 days of notice, and your coverage stays fully in force until the expiration date on the letter.
Start with what the letter actually means — it decodes the dates, the stated reason, and what your insurer is still obligated to do. Then work through the 30-60-90 day decision tree, which sequences every step from first phone call to bound replacement coverage.
The other pages handle the specific worries that come up along the way: whether your lender can demand the loan back (short answer: technically yes, almost never happens), and what you are actually buying if the only quote you can get is from a surplus lines carrier. One rule above all the others: do not let coverage lapse, even for a day. An imperfect policy that starts the morning your old one ends beats a perfect policy three weeks late.