If you believe your insurer is making a non-renewal decision that is based on inaccurate or outdated information, DIFI encourages homeowners to contact the insurer to obtain the specific data that was used for the determination and to provide the insurer with the data that you believe is correct.  

Keep in mind that insurers may want to reduce their risk exposure in certain areas based on the perils present and these decisions can result in non-renewal even when mitigation efforts have been undertaken at the property.

If an insurer decides not to renew your policy due to a specific condition related to your home or property, such as having trees and shrubs within 10 feet of your home, they must notify you of the condition and give you an opportunity to remedy it. If you remedy the condition within the specified time (usually 30 days) in a manner that is acceptable to the insurer, the policy must be renewed. If you have not remedied the condition before the policy expiration date but you have paid the renewal premium, the insurer must provide you with an additional 30 days to remedy the condition.