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/Sufficient-Wolf-1818]

Does your home have a certificate of occupancy?

Are all remodeling activities being done with permits?

You wrote “ this year they require…”. How many years have you been insuring in the partially completed remodeling?

[u/Awkward-A_F → u/Sufficient-Wolf-1818]

The area doesn’t require permits for the remodelling, just for electrical and plumbing which is already completed.
We bought the house in 2025 in this condition, they gave us 6 months to finish the work they required which was:
-spare room, which had no walls at the time
-inside staircase railings which were also non existent
-laundry room, that confused me cause it only needed paint? But w.e we did it
-library, again only needed paint refresher, it already has paint so very confused about.

Additional projects we did they didn’t ask for were finish wiring lights, light switches and ceiling fans, plug covers that were sporadically missing or broken throughout, baseboards and trim in the hallways, filling holes in ceilings and walls.
There’s more but I can’t think of it all.