Non-renewal vs. cancellation
- Non-renewal: Carrier declines to continue at renewal; policy runs to end of term
- Cancellation: Policy ends mid-term; limited grounds under Florida law
When carriers can non-renew
- Multiple claims (2+ in short period typically)
- Non-payment of premium
- Specific risk factors emerging
- Underwriting decision
When carriers cannot non-renew based on claims alone
- Single covered claim typically insufficient
- Florida prohibits non-renewal purely for hurricane claims within certain windows
- Specific statutory protections exist
Florida protections
- 100-day notice for non-renewal on homeowner policies
- Market of last resort (Citizens)
- Non-renewal review and complaint processes
What to do if non-renewed
- Shop early (100-day window provides time)
- Consider Citizens as backup
- Address underwriting concerns if identified
- Appeal if appropriate