Dropped by your home insurer in Florida? Start here.

Specific reasons in the notice

Florida's published rule says each notice of non-renewal or cancellation must include the specific reasons, including any specific underwriting reasons.

Fla. Stat. § 627.4091Fla. Stat. § 627.4133

Roof age

Florida's published rule says an insurer may not refuse to renew a homeowners policy solely because of roof age if the roof is less than 15 years old. For roofs 15 years or older, the homeowner may have the roof inspected by an authorized inspector at their own expense, and the insurer may not refuse to renew solely because of age if that inspection shows at least 5 years of useful life remaining.

Fla. Stat. § 627.7011(5)

Claims caused by acts of God

Florida's published rule says claims caused by an act of God may not be used as a reason for cancellation or non-renewal, unless the insured did not take reasonable action the insurer requested to prevent the damage from happening again.

Fla. Stat. § 627.4133

A single water-damage claim

Florida's published rule says a single water-damage claim may not be the only reason for cancellation or non-renewal, unless the insured did not take action the insurer reasonably requested to prevent a similar loss.

Fla. Stat. § 627.4133