Home Insurance Non-Renewal Check

We read your notice. Here is the factual summary.

Document type

Non-renewal notice

Carrier

Example Mutual Insurance Company

State

California

Notice date

September 16, 2026

Coverage ends

December 15, 2026

Reason

Roof age or condition

Policy number

HO-0000000-00

Property

123 Example Street, Sacramento, CA 95814

California notice period

Notice of non-renewal

The check uses the notice period (notice date to coverage end date), not the time remaining.

The notice period — from the notice date to the coverage end date — is 90 days, which appears consistent with the published 75-day requirement, including any extra days that apply to mailed notices. Notice periods are generally measured from when the notice is mailed or delivered, which can differ from the date printed on the notice.

California's published rule requires a notice of non-renewal to be delivered or mailed at least 75 days before the policy expires. When the notice is mailed, California's mailing rule adds 5 days (10 if mailed from or to an address outside California).

Reason given

Roof age or condition

California protection check — in the full action plan

Common next steps to consider include:

1. This week

   1. 1

      Request the underwriting or inspection report

      Carriers often base roof decisions on an inspection or aerial imagery. Asking for a copy shows exactly what was observed and when.

   2. 2

      Verify the roof age in the carrier's records

      Compare the roof age or installation year the carrier has on file with your own records, such as a permit or contractor invoice.

2. Next 1–2 weeks

   1. 3

      Gather receipts, permits, and warranties
   2. 4

      Consider an independent roof inspection
   3. 5

      Tell your mortgage servicer, if you have one

3. Before coverage ends

   1. 6

      Ask whether reconsideration is available after remediation
   2. 7

      Begin exploring replacement coverage if needed