Can I Be Canceled For Filing A Sinkhole Claim?

It is illegal for an insurance company to cancel or refuse to renew a policy of insurance because a homeowner filed a claim for sinkhole damage. Chapter 627.707 (8), Florida Statutes, spells out the law with crystal clarity by saying,

"No insurer shall nonrenew any policy of property insurance on the basis of filing of claims for partial loss caused by sinkhole damage or clay shrinkage as long as the total of such payments does not exceed the current policy limits of coverage for property damage, and provided the insured has repaired the structure in accordance with the engineering recommendations upon which any payment or policy proceeds were based."

The Florida Legislature enacted this provision, and in doing so ensured that homeowners need not fear being canceled for filing a claim for possible sinkhole damage.

Insurance Canceled Or Non-Renewed Anyway?

It's illegal to cancel or non-renew a homeowner's insurance policy because of a claim for sinkhole activity. The law is black and white - and every insurance company knows it! But still…sometimes an insurance company will simply ignore the law and cancel or non-renew a homeowner anyway.

This is a serious violation of state law and likely constitutes "bad faith" on the part of the insurance company! If your homeowner's insurance has been canceled because you have filed a claim for sinkhole activity, it is very important to speak to an experienced sinkhole attorney immediately! Call experienced sinkhole attorney John Byrne right now at 813-413-6565 - in the past John Byrne has been able to negotiate with some insurance companies where it agrees to rescind the cancelation notice and continue insurance coverage, while other times filing a civil remedy notice alleging bad faith actions on the part of the insurance company causes the insurance company to be more inclined to settle a sinkhole claim.

It is important that you act quickly to preserve your rights and ensure you continue to maintain homeowner's insurance! Discuss your options in a FREE telephone conversation or meeting with sinkhole attorney John Byrne by calling 813-413-6565 today!

Insurance Canceled Because Of Something Else

Some insurance companies try to get crafty! They know Florida law prohibits an insurance company from canceling or non-renewing an insurance policy because a homeowner filed a cliam for sinkhole activity. So instead of listing the reason for the cancelation or non-renewal as sinknhole related, the insurance company will list a different reason.

Walks Like A Duck And Talks Like A Duck

Even though the "official" reason for an insurance company canceling or non-renewing your insurance policy might not sound sinkhole related, it's a pretty big coincidence if the cancelation notice occurs weeks or months after you file your sinkhole claim. If your homeowner's policy has been canceled or non-renewed for any reason after filing a sinkhole claim, it is important to discuss your case with the experienced sinkhole attorneys at the Byrne Law Group as quickly as possible - sometimes an otherwise legitimate seeming cancelation or non-renewal notice really is a cover up for an illegal cancelation related to sinkhole claims! Be certain to understand your rights! Call 813-413-6565 today to arrange for a FREE consultation with experienced sinkhole attorney John Byrne.