California E&S Insurance

I'm stating that the contractor is misrepresenting the truth.  They are trying to make you think that you can't get canceled or have your insurance removed for 2 years, and that is absolutely not true. They may be absolutely correct that the insurance company can't cancel your insurance for making a claim.  That's irrelevant.  The insurance company can non-renew you, if they don't like your claims history, or maybe for any other reason. They are private company they don't have to do business with you.  Now go back and ask the contractor that if I make this claim, can they insurance company non-renew me, when it's time to renew?  The answer is: of course they can. To recap: A homeowner is the person that would cancel their insurance. The insurance company is not going to do that for a valid claim.  The insurance company will non-renew you, if you are not a good customer.

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