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

Common next steps to consider, in the order people usually take them. Tap a step’s number to tick it off as you go.

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

      Documents showing when the roof was installed or repaired, and by whom, are commonly requested in reconsideration reviews.

   2. 4

      Consider an independent roof inspection

      A licensed roofer's written assessment with dated photos can document the current condition.

   3. 5

      Tell your mortgage servicer, if you have one

      Most mortgages require continuous coverage. Servicers may place their own (often more expensive) coverage if a policy lapses.

3. Before coverage ends

   1. 6

      Ask whether reconsideration is available after remediation

      Some carriers will review a decision after repairs or replacement. Asking in writing creates a clear record of the answer.

   2. 7

      Begin exploring replacement coverage if needed

      Running this in parallel helps avoid a gap in coverage if the decision stands.

A factual, neutral request you can edit. It asks the carrier to review the decision and share the information it relied on.

If you have questions or want to raise an issue, your state Department of Insurance provides the following consumer resources.

For individualized help, a licensed insurance professional or attorney may be appropriate.

Educational overview. We don't recommend specific insurers or policies.

Admitted market carriers

Insurers licensed in your state and backed by the state guaranty fund. Rates and forms are generally filed with the state regulator.

Independent insurance agents or brokers

Independent agents can request quotes from several carriers at once, which can be helpful when options are limited.

State residual market (FAIR Plan / Citizens-type programs)

State-created programs for people who cannot find coverage in the regular market. Coverage may be narrower, and eligibility rules apply.

Surplus lines (non-admitted) carriers

Carriers that may insure risks the admitted market declines. They are regulated differently and are generally not covered by the state guaranty fund. A licensed surplus lines broker is involved.