- Division of Insurance
Have you received a letter warning about your roof’s condition or suggesting your homeowner's insurance may be canceled, non-renewed, or increased? Take a moment before acting. These messages may be part of a third-party marketing campaign.
What’s Happening
The Division of Insurance recently learned of mailers sent to residents in Rhode Island by or on behalf of an entity called Home Coverage Risk Alert. These notices:
- Include a property address
- Claim the home was “flagged” due to the age or condition of the roof
- Suggest the insurance company may increase the policy premium or non-renew the policy
These mailers are not from an insurance company. These mailers are being sent by an unaffiliated entity potentially looking to generate business and may not reflect any actual action by any insurer.
What Massachusetts Residents Might Receive
- A notice that looks like it’s sent on behalf of your insurance company
- Threats of insurance policy premium surcharges, cancellation, non-renewal or categorizing your property as “high risk”
- Offers for property and roof inspection reports
- Referrals to insurance company certified contractors to “restore eligibility”
While insurance companies can take underwriting actions based upon the condition of your home, they follow strict rules in doing so.
What You Should Do
- Verify with your insurer: If you receive a notice about your coverage, contact your insurance company or agent. By law, insurers must notify you at least 45 days in advance if they plan to non-renew your policy and why. That notice will come directly from your insurance company or your agent, not an unaffiliated third-party.
- Review Bulletin 2025-02: This bulletin outlines the Division’s expectations for insurers using aerial imagery or roof condition in underwriting decisions.
- Be cautious with repairs: Don’t authorize costly repairs based solely on unsolicited marketing. While regular maintenance is wise, consult a trusted contractor before proceeding with major work.
Need Help?
The Division of Insurance is committed to protecting consumers from misleading practices. If you believe you’ve received such a notice or have questions about your home insurance non-renewal rights, contact our Consumer Service Unit: csscomplaints@mass.gov or 617-521-7794 (Option 2).
