Cathy's complaint:
July 30, 2013

Insurance Company: Florida Family Insurance
Coverage Type: Homeowners Insurance

• Underwriting - Nonreneweal

I have owned a 2nd home (condo) in FL since the year 2000, and have had my homeowner's coverage with FL Family since that time. I have paid all premiums on time and in full, and except for a claim as a result of Hurricane Charley, never filed a claim until last year. The claim was the result of the hot water heater in the condo above mine (not owned by me) failing, and it flooded my condo. It resulted in a small claim to replace carpeting and repair damage to the walls where the water came down. My property managers (Condo Association) failed to lock up my property after the work crews were done, and even though I went to the police after finding that I had been robbed, no one would hold the Condo Association responsible, and I had to file a follow-up claim for the theft. It should have been the same claim, as it was all related, but FL Family forced me to file a separate claim. Due to some paperwork screw up, I received a lawsuit for foreclosure on the property a few months ago. It is an illegal foreclosure, as the property has been paid in full, but it will likely take months to resolve it. I know this because back in 2009, my Condo Association filed a foreclosure suit against me for failing to pay an assessment. We proved that it had been paid and their employee had embezzled my funds and deposited them into her personal bank account, but it still took nearly 3 years to get it resolved. However, now, FL Family has issued a non renewal notice and as of November I won't have coverage. They are using the foreclosure as an excuse, but not only did they not take that approach during the last foreclosure suit in 2009 - 2011, I know they are cancelling me because I filed 2 claims. My insurance broker says that I won't be able to get coverage elsewhere on the normal insurance market, and will have to pay a huge amount to have coverage at all. I am going to file a formal complaint against FL Family with the State of FL, but I would like to know what other options I might have to force them to renew my coverage when it comes due again.

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