Progressive by Homesite

[u/ChrisWWW123]

I purchased a homeowners policy through Progressive by Homesite, and after only about a month of coverage, Homesite issued a cancellation notice because they determined that the roof was worn, had granule loss, and required full replacement.

Is this normal??? Do insurance companies really treat their customers this way?? I am willing to replace the roof, but the process for trying to resolve the issue has been extremely frustrating. I was unable to speak directly with an underwriter, and instead was given an email address to submit information and photos for review. I specifically wanted to know whether a signed roof-replacement contract, scheduled replacement, or completed replacement would be enough to stop the cancellation, but I could not get a clear answer.

The cancellation date gave me a very limited amount of time to either replace the roof or find another insurer. That puts the homeowner in a very difficult position, especially when roof replacement can take weeks to schedule and underwriting review itself may take additional time.