I think I messed up. Asking whether there is any avenue for getting any help with this situation.

    I bought a house in Blackstone, VA. The previous owners had let things go a bit, but had been living there. I got insurance immediately, paid for the whole year, and have been doing a bunch of fixing things up since I moved in.

    I hired a local contractor to do some painting and some work in the kitchen, but we parted ways a couple of weeks ago because he was behind on every schedule he'd given me, and the painting he had done was very poor – loads of paint splashed where it shouldn't go. As we were parting ways, not on very agreeable terms, I saw him pulling away from my house in his pickup truck as I was getting back. Never saw him again. Was glad to be done with him.

    Now, we've just had the first rain since, and I find my roof has been vandalized. Leaks everywhere, made deliberately with tools, need a new roof worth $13k. The damage is not visible from the ground.

    And going through the mail, I found a letter from my insurer that I didn't look at from 3 weeks ago, cancelling the insurance effective 15 days after because of trees and bushes too near to the house. I just didn't look at the letter before. The trees and bushes are long gone, I had cleared them before the date on the letter.

    Is there anything I can do? Should they have given me more notice, or notified me any other way? Do I have any kind of case, in that I'm sure the damage was done before the cancellation date stated in the letter, even though I only found out about it when it next rained? Or am I just screwed? I thought I was insured and can't afford a new roof.

    Cancellation within underwriting period, Virginia
    byu/FatherBrownstone inInsurance



    Posted by FatherBrownstone

    3 Comments

    1. Supermonsters on

      No you were lucky to get 15 days(plus the time you already were insured).

      You need to contact an independent agent and have them quote you. If your roof is bad you may need to go on the state plan(VPIA) until your roof is fixed.

    2. Brilliant_Essay_1593 on

      Have you contacted your insurance agent to see what they say about all of this?

    Leave A Reply