Insurance Companies Play 'Hot Potato' with Home Owners
Homeowner's insurance is required when carrying a mortgage but is also a good practice for replacement costs on a property, in case of burglary, flood, fire, etc. Believe it or not, insurance companies can / will drop you for a plethora of reasons, despite being a dependable, paying customer.
Some justifications may be:
- Bad credit
- Filing too many claims
- Getting an aggressive dog breed
- Being convicted of a crime
- Unfinished necessary repairs
- Specific area becomes high risk
Aggressive dogs can cost home owners thousands of dollars every year. There is no liability coverage if a dog on the list injures someone or destroys their property. The top 12 banned dog breeds most often banned by homeowners insurance companies are:
- Doberman Pinscher
- Pit bull
- Chow Chow
- Wolf dogs and hybrids
- Presa Canario (canary dog)
- German Shepherd
- Alaskan Malamute
It pays to be a law abiding citizen. Lack of responsibility and trustworthiness with a history of criminal offenses, diminishes the chances of qualifying, especially arson, property destruction/damage or illegal use of property. Those greatly hurts the chances of qualifying for a homeowner's policy.
Insurance companies also send out representatives to check for defensive spaces around outlying properties, outside the city limits in many areas. They will send notice of requirements and then cancel the homeowner's insurance policy if not properly cleaned up to their specifications.
Several houses nearby burned 3 years ago because people do not get rid of refuse, dead trees and pull or weed whip weeds (especially cheat grass). They are fuel for an out-of-control fire. Forests also need to be managed and maintained just like everything else or raging fires destroy everything!
Some necessary steps to take to prevent loss:
- Thin overgrown bushes and haul clippings away
- Cut down perennial grasses such as cheat grass and foxtails
- Remove dead branches in trees and those touching the ground
- Take out dead vegetation on the ground
Create a 30 foot perimeter around your home if possible
While these tips will help prevent your home from burning, it is no guarantee. Call the local fire department for information on creating a safer environment. If faced with a life-threatening situation, press 911 Immediately!
If you or anyone you know feels they may have been dropped unfairly by an insurance company, through retaliation in making a claim or for other reasons, contact the state insurance department to file a dispute.
Otherwise, it's...One 🥔, two 🥔, three 🥔 four...🥔...!