My mom passed way. Her homeowners insurance was about to expire. I contacted her broker, and tried to transfer it to my name. They said I would have to reapply. I did. I was told one insurance company declined due to the value of the home, and the other wasn’t insuring flat roofs at this time…. They apologized, I thanked them for trying.
At this point I obtained my insurance through another company. I then received a bill for the new year from them. I contacted them and told them that I obtained insurance elsewhere, since they were unable to help me.
Two months later, I receive a $500+ bill from the original insurance company acknowledging the cancellation, but an unpaid balance.
Last years bill was around $4600, and paid in full. I obtained new insurance a few weeks before the old policy expired.
They are telling me that I owe the $500 as it’s from the time I was insured under the original insurance company.
My initial thought was it was a mistake, but they claim it’s not.
Any insight on this?
Thank you!!!
Posted by rollinover11
2 Comments
Did the cancel date match the date the policy ended? if you did not cancel the policy it would automatically renew and would eventually cancel for non-payment. if cancelled for non-payment the premium would be due for the time that was unpaid before they finally cancelled.
But also at the same time the home insurance (assuming) was in your mothers name and you wouldn’t be responsible for the payment but if you don’t do anything they will just sell to collections and they will take it from her estate.
Did the broker not cancel the original policy? Insurance automatically renews and your moms passing does not mean it will be cancelled. Homeowners insurance stays in place during probate most times as ownership of the property is sorted.
If the policy wasn’t cancelled then you owe for the time coverage was still in place until it cancelled for non-pay it seems. Depends on provider but you may be able to reverse the charges by requesting the cancelation be backdated. They’ll want you to show proof you had coverage in place in order to do that.