Apperently we had no insurance

This past weekend due to a large amount of rain, we had our basement flooded, we called our insurance broker and they said that about a year and half ago we cancelled our car insurance thru them and threw a miscommunication they cancelled our house insurance also. We DID NOT receive a letter or a phone call from our mortgage company or our insurance people stating anything about loss of coverage on the house. Can they do this? Aren't we supposed to sign something?


Home Insurance Cancellation Response


Hi there,
That sure is bad news. Most insurance companies ask for a signed cancellation to prove that you do want to cancel. So you might have a legal recourse.

The fact that it has been over a year since the policy was cancelled will be a problem for you. You should know if you have made payments on your policy or not.

If your mortgage company has not contacted you, then they most likely did not receive notice of cancellation.

You most likely need legal counsel if you are going to get them claim covered.

Hope that helps.


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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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