Home Insurance Cancelled without Notice

by Kevin M
(Otttawa)

Hi,

I recently had a flood on my property, the insurance company was called and they sent an emergency restoration team out to suck the water out and remove all contents from the basement.

I was waiting for an adjuster to call a few days later, and instead got a call from the brokerage saying that in January they had sent a registered letter saying that due to a missed payment (banking oversight, 80$ payment) they had cancelled our policy in January and we are no longer covered.

Now, my wife didn't notice the missed payment and the insurance representative said they sent a registered letter, which was never signed for.

So they took all my stuff and called me and said "too bad so sad, you aren't covered"

Any advice appreciated

What To Do About a Cancelled Policy and Denied Claim

Hi Kevin,

That's a real tough situation. I don't know if you have any recourse at all. The insurer is supposed to notify you by registered mail. Not sure if it matters that you didn't sign for it.

Your only recourse is likely to take legal action.

Sorry to say it.



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