cancellation of policy after a claim

by D
(Canada)

My house insurance policy had been cancelled after i made 1 claim. Is that a normal practice for Insurance company's to do so. I now have a hard time in getting house insurance as I am now in a high risk category.


Reply: Home Insurance Cancellation After Claim


Hi there,

Most home insurance carriers that I have dealt with do not cancel after one claim. Many wait until a third claim in three years. But you may be from an area I am not familiar with.

My thought is that there is something about the claim that was not satisfactory to the insurer. For example, was there a misrepresentation on your part (e.g. you said the roof was brand new and they realized it was 20 years old; or you claimed the house was 1000 square feet and it was really 1200 square feet).

Or maybe the insurance adjuster noted certain features of your home that did not meet underwriting criteria. For example, maybe you have out of date electrical, heating, plumbing or roofing.

Sorry, I can't say for sure! But keep shopping around to find a good rate.

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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

Compare insurance quotes through Kanetix.ca - save time and money!