Free help · No sales pitch
Got a non-renewal notice from your home insurer?
You're not out of options, but you are on a clock. Enter the date your policy ends and we'll show you exactly what to do first.
- Every state's last-resort option
- Roof-age rules explained
- Real people on the phone
How much time do you have?
Most states require 30–60 days' notice. Don't know the date? It's usually in the first paragraph of the letter.
What does your letter say?
Pick the one that sounds like you. Each line goes to a different specialist.
"We're leaving your area" or "risk no longer fits"
You need new coverage before your end date. An independent broker can shop carriers your old agent can't, including your state's last-resort plan and surplus-lines options.
I need new coverage · (888) 344-6410"Your roof is too old" or "roof condition"
You may not need a full replacement. A roof inspection and certification can sometimes keep your policy. If it does need replacing, you'll want quotes fast.
They said my roof is too old · (888) 615-0097Not sure? Answer 3 questions.
We'll point you to the right next step. Takes 20 seconds.
Get a roof inspection before you replace anything
A certified inspection may show enough remaining life to keep or regain coverage. If not, we can connect you with roofers who work to insurance deadlines.
Call a roof specialistTalk to an independent broker this week
A broker can quote multiple carriers, your state last-resort plan, and surplus-lines options in one call.
Call a brokerDo these 4 things in the next 48 hours
Find the end date and reason
Both are required on the notice. Write them down.
Call your mortgage servicer
A lapse can trigger force-placed insurance at a much higher cost.
Get your roof's age on paper
Permit records or the roofer's invoice. Every new carrier will ask.
Talk to an independent broker
Not your old captive agent. Brokers can quote multiple carriers.
Your state's rules and last-resort options
Notice periods, FAIR plans, moratoriums, and who to call at the insurance department.
What your letter actually means
Insurers use vague phrases on purpose. We translate the common ones into plain English and tell you what each means you should do next.
Open the letter decoder →"Underwriting guidelines no longer met"
Usually means: your area or home type, not you. Shop now.
"Roof does not meet eligibility requirements"
Usually means: roof age. Get an inspection before you replace.
"Exposure / catastrophe concentration"
Usually means: wildfire or storm zone. Ask about your state's FAIR plan.
Reviewed by [REVIEWER NAME], licensed property & casualty agent
Last updated [DATE] · Rules change often; we update state pages monthly.