What person determine your home insurance can be dropped unless you reroof the home?

I've heard of homeowners getting letters from their insurance companies demanding structural changes such as removing break-in metal bars from their windows or re-roof their home or their insurance would be dropped. What is the title of the person that makes that determination.What person determine your home insurance can be dropped unless you reroof the home?
The person who usually sends these letters is the Underwriter or the Agent acting on behalf of the company. The requests are usually done to comply with Underwriting Guidelines, i.e. a bad roof imposes an increase hazard in that it can lead to significant water and even fire damage. The bars can lead to a liability hazard, in that a visitor could be trapped in the home and sustain significant bodily injury or death and/or bars can cause a delay in response time from the fire department that would lead to significant additional property damage. Another example of a mandatory repair would be a deteriorating concrete walkway or steps or lack of a handrail.



Normally once the letter has been sent you are given a specific amount of time to correct the problem. If you do not comply, the insurance company can issue a legal notice of cancellation or non-renewal for increased hazard in accordance with their underwriting guidelines. Even after receipt of the notice of cancellation in many instances, the insurance company will reinstate or renew your policy if you provide them with proof that you have completed the repairs prior to the date of cancellation.



I hope this information helps.What person determine your home insurance can be dropped unless you reroof the home?
Ultimately, your state insurance commissioner, in combination with your state legislature.



The state insurance commissioner is the one who puts the policies in place, that says when an insurance company can and cannot cancel your policy. Your state legislators pass the laws that say when and how companies - including insurance companies - can behave.



Any insurance company underwriter, has to make decisions within the state law. The underwriter's supervisor, would be the VP of Underwriting, in your state, at the company level.



But at the insurance company level, they do it when state laws say they can do it. The underwriters for homeowners policies, basically just look at the company manual (which has been reviewed by the company lawyers) and says, "the book says, if you don't fix your house so people can escape in a fire, we can cancel you for increase in hazard."What person determine your home insurance can be dropped unless you reroof the home?
It is the insurance company appraiser.