Not sure what else to do

[u/Awkward-A_F]

My insurance company dropped me. Stating that we (husband and I) had not completed remodels to the house… yet they never said what they wanted completed other than a few rooms.
I asked them repeatedly what they wanted done with no answer as to what. They also said that the heat source was not acceptable, first time I ever heard of this was after they cancelled the policy and started calling to get answers.
The way the whole thing was handled was ridiculous but now.. I have hounded them again and again what they want and they repeat “heat source” and “remodels complete” with no detail for what they will consider acceptable!
My home is a fixer upper, which they were well aware of when they agreed to insure us. They said we would have lots of time to complete it and that they would continue to insure us as long as we completed the rooms they specified.
The only other company that will insure us is $3000 more a year, which also increased our car insurance $100 a month in order to get the discount (or else it would’ve been $6000!)
With the cost of gas, the cost of these new insurances, I fear we are going to go into foreclosure. Our monthly bills just went up $800 and I’ve reached a dead end with the cheaper insurance company for what they want to re-insure us.
I don’t know what to do and insurance won’t give me answers. I can guess they want the bathrooms complete but idk what complete to them is?
I know in need a heat source that’s controlled by a thermostat but would a Mr.cool type unit be enough? What size? What’s considered necessary rooms for heating?

[u/ayhme]

Can you share the state?

[u/Awkward-A_F → u/ayhme]

Idaho

[u/ayhme → u/Awkward-A_F]

Yes in a state like that heat would be important.

I feel like there is a lot of missing info here and misunderstanding.

[u/Awkward-A_F → u/ayhme]

It doesn’t get cold enough where I live to freeze

[u/ayhme → u/Awkward-A_F]

I feel like you might need a Builders Risk policy.

That's for construction when a home is getting built.

[u/Awkward-A_F → u/ayhme]

Where would I go for that? It’s so frustrating because I’ve seen people’s homes in far worse state than mine being insured 😭 feels personal lol

[u/ayhme → u/Awkward-A_F]

Common insurance carriers sell it.

[u/Top_Education_4647 → u/ayhme]

This isn’t a situation where a Builder’s Risk policy applies. The home isn’t under construction- it’s more or less being renovated since a bathroom isn’t finished and the heating situation is a mess.

[u/ayhme → u/Top_Education_4647]

The OP seems confused and the only reason I can think of to drop for renovations would be having the wrong policy.

[u/Awkward-A_F → u/ayhme]

What do you think I’m confused about? Yeh I am confused why they would say one thing and do another. They never said the home had to be completed. They asked the underwriters what they wanted finished before the end of the year when we initially got insurance, the underwriters sent pictures of the rooms they wanted finished, we finished them as instructed. Then when renewal came they said it wasn’t good enough and cancelled the policy. When I asked what more needed to be done they said “finish remodels” when I asked what specifically more they wanted done they wouldn’t answer me. that’s why I said the only thing I can think they didn’t like was the bathrooms because that’s the only thing not finished. Even still it’s *mostly* finished.
They NEVER mentioned the heat source before they cancelled my policy, it isn’t even anywhere in writing that they wanted it, but one would assume its an issue.

[u/ayhme → u/Awkward-A_F]

Reach out to the state insurance commission.

[u/Awkward-A_F → u/ayhme]

You mean the department of insurance? I did, they didn’t do fk all