# Home Insurance Nonrenewal in Indiana: What to Do Next > Indiana insurers must mail a nonrenewal notice at least 20 days before a policy ends. Ask why in writing, check your claims report, then replace it with no gap. Source: https://yellowribboninsurance.com/blog/home-insurance/what-should-you-do-after-an-indiana-home-insurance-nonrenewal/ Home insurance · Indiana # What Should You Do After an Indiana Home Insurance *Nonrenewal*? Start with your ZIP Enter your ZIP code Please enter a valid 5-digit ZIP code. Almost done Where should we reach you? A licensed agent from our New Albany office reviews every request personally. CoverageAutoHomeAuto + HomeRentersCondoLandlordBusinessLife First name Last name Phone Email By clicking “Request my free quote,” I give Yellow Ribbon Insurance LLC my prior express written consent, by electronic signature, to contact me at the phone number I provided with calls and text messages about my insurance quote and related insurance products and services, including calls and texts made with automated technology or an artificial or prerecorded voice, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies. Consent is not a condition of purchase; I can call (812) 577-8749 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. 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Call (812) 577-8749](tel:8125778749)Mon–Thu 9am–6pm · Fri 9am–5pm ET **4.8★** from 214 Google reviews · Veteran-owned · Licensed in Indiana & Kentucky BC By the **Yellow Ribbon Insurance team** · [Bill Cline](https://yellowribboninsurance.com/about/), Licensed Insurance Agent * 16 min read * Updated October 2026 * Indiana What Indiana law requires of a nonrenewal notice, how it differs from a cancellation, and the steps that keep you insured: the reason, your claims report, repairs, a replacement with no gap, your mortgage servicer, the FAIR Plan and the state complaint line. Quick answer After an Indiana home insurance nonrenewal, your policy still runs until the date on the notice, so use that time. Indiana law requires the insurer to mail the notice at least 20 days before the policy period ends and to explain its specific reasons in writing if you ask. Then get your replacement in place before the old policy ends. * Ask for the reason in writing, plus the claims, inspection or report behind it. * Pull your free claims-history (CLUE) report and dispute anything wrong. * Fix what you can, like a worn roof, while you line up replacement coverage. * Send your mortgage servicer the new declarations page so a force-placed policy never starts. * If at least three insurance companies turn you down, the Indiana FAIR Plan is the last-resort option. Do this: write the policy's end date on the notice, then call for a replacement quote this week with your declarations page, roof age and claims list in hand. Free quote · about 30 seconds Get your free Indiana home insurance quote Start with your ZIP. A licensed agent from our New Albany office reviews every request personally. Enter your ZIP code CoverageAutoHomeAuto + HomeRentersCondoLandlordBusinessLife Please enter a valid 5-digit ZIP code. **4.8★** from 214 Google reviewsVeteran-ownedLicensed in Indiana & Kentucky Prefer to talk? [(812) 577-8749](tel:8125778749) · Mon–Thu 9–6, Fri 9–5 ET Almost done Where should we reach you? A licensed agent from our New Albany office reviews every request personally. First name Last name Phone Email By clicking “Request my free quote,” I give Yellow Ribbon Insurance LLC my prior express written consent, by electronic signature, to contact me at the phone number I provided with calls and text messages about my insurance quote and related insurance products and services, including calls and texts made with automated technology or an artificial or prerecorded voice, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies. Consent is not a condition of purchase; I can call (812) 577-8749 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://yellowribboninsurance.com/privacy/) and [Terms of Use](https://yellowribboninsurance.com/terms/), including the [arbitration clause](https://yellowribboninsurance.com/terms/#arbitration) and [E-SIGN consent](https://yellowribboninsurance.com/terms/#esign). Please add your first and last name, a 10-digit phone number and a valid email. ✓ Request received A licensed agent from our New Albany office will reach out to go over your coverage. [Prefer to talk? Call (812) 577-8749](tel:8125778749)Mon–Thu 9am–6pm · Fri 9am–5pm ET The letter says your insurance company won't renew your homeowners policy, and the end date is only a few weeks away. Maybe you've never filed a claim; maybe you had one last spring. Either way, the clock is running. Here's what Indiana law requires of that notice, how it differs from a cancellation, and the steps that keep you insured, from getting the reason to the FAIR Plan. ### Indiana home insurance nonrenewal: key facts | | | | --- | --- | | Nonrenewal notice | Mailed at least 20 days before the policy period ends[IC 27-7-12-4](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-4/) | | The reason | A written explanation of the specific reasons, if you ask for one[IC 27-7-12-4 and -5](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-5/) | | Cancellation notice | 10 days for nonpayment or in the first 60 days; 20 days after that[IC 27-7-12-3](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-3/) | | Claims report | One free CLUE report every 12 months, on request[CFPB list, 2025](https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-companies_list_2025.pdf) | | Force-placed insurance | First notice at least 45 days before your servicer can charge you[12 CFR 1024.37](https://www.consumerfinance.gov/rules-policy/regulations/1024/37/) | | Indiana FAIR Plan | After at least three declines; dwelling coverage up to $250,000[Indiana FAIR Plan](https://www.indianafairplan.com/consumers.html) | | Complaints | Indiana Department of Insurance, online or 1-800-622-4461[IDOI complaints](https://www.in.gov/idoi/consumer-services/complaints/) | ## What does Indiana law require in a home insurance nonrenewal notice? **The short answer:** An Indiana insurer that won't renew your homeowners policy must mail you a written notice at least 20 days before the policy period ends, and it must explain its specific reasons in writing if you ask. The rule is [Indiana Code 27-7-12-4](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-4/), and it covers policies on Indiana homes of up to four units where one is the policyholder's main residence ([IC 27-7-12-1](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-1/)). The notice must be in writing, be mailed to you at your last known address, state that the insurer won't renew when the current period ends, and be mailed at least 20 days before that date. ### Does the notice have to say why? Not on its own. Indiana requires a written explanation of the specific reasons "upon request of the named insured." Once you ask, [IC 27-7-12-5](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-5/) says it must be clear and specific enough for a reasonable lay person to identify the basis for the decision without further inquiry. A bare phrase like "underwriting reasons" is unlikely to meet that standard, so put your request in writing and keep a copy. ### Exceptions, and what if no notice came No notice is required if the insurer moves you to an affiliated company with the same or broader coverage, or if it mailed you a renewal notice, bill or policy and you didn't respond. If a required notice wasn't provided, IC 27-7-12-5(b) treats coverage as renewed for the next policy period once you pay the premium, unless you've accepted replacement coverage or agreed to the nonrenewal. Because the statute speaks of a notice being *mailed*, a lost-letter dispute turns on the facts. Raise it in writing with the insurer and with the state (see [when to complain](#complaint)). **Count from the mailing date.** The 20 days run from when the insurer mails the notice, so mail time comes out of them. Count back from the end date on the notice, not from the day you open it. BC Bill Cline Licensed insurance agent · Veteran · Licensed since 2018 Bill owns Yellow Ribbon Insurance in New Albany. [More about Bill](https://yellowribboninsurance.com/about/). ## How is a nonrenewal different from a cancellation in Indiana? **The short answer:** A cancellation ends your coverage partway through the term and, once a policy is past its first 60 days, is limited to a short list of reasons, while a nonrenewal ends coverage when the term runs out. Under [IC 27-7-12-2](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-2/), a cancellation is a termination "during the policy term" and a nonrenewal is one "at the end of the policy term." They follow different rules. | Rule | Nonrenewal | Cancellation | | --- | --- | --- | | When coverage ends | At the end of the term | Partway through the term | | Minimum notice | Mailed 20 days before the term ends (IC 27-7-12-4) | 10 days for nonpayment or in the first 60 days; 20 days after (IC 27-7-12-3) | | Written reasons | On request | On request | | Allowed reasons | The statute doesn't list approved reasons | After 60 days or after a renewal takes effect, only those in IC 27-7-12-6 | | Prohibited reasons | One list for both (IC 27-7-12-7), covered in the next section | | The 60-day rule is in [IC 27-7-12-6](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-6/). After coverage has been in effect more than 60 days, or after a renewal takes effect, an insurer can cancel only for one of seven reasons, among them nonpayment, fraud or material misrepresentation, and a change in the risk that substantially increases an insured hazard. That list limits mid-term cancellations, not nonrenewals. The NAIC's [homeowners guide](https://content.naic.org/sites/default/files/publication-hoi-pp-consumer-homeowners.pdf) puts the general rule plainly: insurance companies "generally have the right to not renew your policy." Indiana's protections are the notice, the written reason, the prohibited list and the credit rules. ## Why do insurers decide not to renew a home policy? **The short answer:** Nonrenewals usually reflect the insurer's view of risk, such as roof age, condition, claims history or the area's exposure, and Indiana bars a short list of reasons outright. 1.20% The national share of homeowners policies insurers chose not to renew in 2022, up after a dip in 2020 and 2021. Source: U.S. Treasury, Federal Insurance Office, [Analyses of U.S. Homeowners Insurance Markets, 2018–2022](https://home.treasury.gov/system/files/311/Analyses_of_US_Homeowners_Insurance_Markets_2018-2022_Climate-Related_Risks_and_Other_Factors_0.pdf) (January 2025). National figure; checked October 2026. The figure comes from NAIC data on more than 330 private insurers, about 80% of HO-3 and HO-5 premium nationally, and counts nonrenewals driven by the property's risk (the report's example is roof age) or the area's. The highest climate-risk ZIP codes averaged 1.61% over five years. The report has no Indiana-only figure, so read 1.20% as national context, not your odds. The roof gets special attention: the [Insurance Information Institute](https://www.iii.org/article/how-your-roof-influences-your-home-and-business-insurance) says most insurers require a roof over 20 years old to pass an inspection when you apply, and some decline older roofs. ### Reasons Indiana prohibits Under [IC 27-7-12-7](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-7/), an insurer can't cancel or nonrenew a home policy based on: * your race, religion, nationality, ethnic group, age, sex or marital status; * solely your lawful occupation (unless the insurer serves only one occupation or a few related ones); * the age or location of your home, unless the decision serves a business purpose that isn't a mere pretext; * the fact that another insurer previously declined you or ended your policy; or * the fact that you once had residual-market coverage, such as the FAIR Plan. Credit has its own rule. An insurer can't decline to renew a personal policy *solely* on credit information ([IC 27-2-21-16](https://law.justia.com/codes/indiana/title-27/article-2/chapter-21/section-27-2-21-16/)), and if credit played a part, [IC 27-2-21-19](https://law.justia.com/codes/indiana/title-27/article-2/chapter-21/section-27-2-21-19/) requires an explanation of up to four primary factors. "Poor credit history" isn't enough. **Unwelcome isn't the same as improper.** A nonrenewal you disagree with can still be lawful. The real questions are narrower: was the notice on time, did you get the specific reasons you asked for, and is the stated reason a prohibited one? ## What should you do first after a nonrenewal notice? **The short answer:** Write down the end date, ask the insurer in writing for the specific reasons and the claims, inspection or report behind them, and pull your own claims-history report so you see what an underwriter sees. 1. **Find the two dates:** when the notice was mailed and when the current policy period ends. The second is your deadline for replacement coverage. 2. **Read the stated reason,** if there is one: the house, your claims, or something broader. 3. **Ask for the specific reasons in writing,** citing IC 27-7-12-4, and keep a copy. 4. **Ask for the basis.** Which claims were counted? Was there an inspection, and can you see its findings or photos? Did a consumer report, such as a claims report or credit-based score, play a part? That last question has federal teeth. The Fair Credit Reporting Act counts a denial, cancellation or other "adverse or unfavorable change" in insurance coverage as an adverse action, and under [15 U.S.C. 1681m](https://www.law.cornell.edu/uscode/text/15/1681m) an insurer acting on a consumer report must tell you, name the reporting company and explain your right to a free copy within 60 days. ### Pull your claims-history report The NAIC notes that most insurers report homeowners claims to private national databases such as the Comprehensive Loss Underwriting Exchange, or CLUE. The CFPB's [2025 list of consumer reporting companies](https://files.consumerfinance.gov/f/documents/cfpb_consumer-reporting-companies_list_2025.pdf) says LexisNexis C.L.U.E. keeps up to seven years of auto and personal property claims and gives one free report every 12 months on request; Verisk's A-PLUS Property database offers the same free annual report. Check every date, amount and address. If something is wrong, dispute it: under [15 U.S.C. 1681i](https://www.law.cornell.edu/uscode/text/15/1681i), the company must reinvestigate free, generally within 30 days. Don't wait on it; bring the dispute to your replacement quote. **Keep a nonrenewal file:** the notice, your written request, the explanation, inspection findings, your claims report and repair receipts. The same file serves a new application, your servicer and any complaint. ## Can fixing the roof or another hazard change the outcome? **The short answer:** Sometimes, because a repaired problem can change your insurer's answer or a new insurer's, but nothing in Indiana's statute requires the insurer to reconsider, so fix the problem and line up replacement coverage at the same time. The NAIC is blunt: "a homeowners policy isn't a maintenance contract." If the explanation names a condition, start there: * **The roof.** Get a written inspection or estimate, and if you replace it, keep the contract, final invoice and photos. Our guide to [roof age and roof settlement terms](https://yellowribboninsurance.com/blog/home-insurance/how-do-roof-age-and-roof-settlement-terms-affect-indiana-home-insurance/) explains why the roof drives both eligibility and claim payments. * **The named hazard.** Fix exactly what the explanation or inspection points to, and document it with dated photos and receipts. * **Unrepaired damage.** If a paid claim was never repaired, finish it and keep proof. Then ask the insurer in writing whether it will re-inspect or reconsider before the end date. Either way, the proof strengthens your next application. Don't let a roofer's schedule delay the replacement; the coverage gap is the one outcome you control. Free quote · about 30 seconds Nonrenewed? Request a free Indiana home quote Start with your ZIP. A licensed agent from our New Albany office reviews every request personally. Enter your ZIP code CoverageAutoHomeAuto + HomeRentersCondoLandlordBusinessLife Please enter a valid 5-digit ZIP code. **4.8★** from 214 Google reviewsVeteran-ownedLicensed in Indiana & Kentucky Prefer to talk? [(812) 577-8749](tel:8125778749) · Mon–Thu 9–6, Fri 9–5 ET Almost done Where should we reach you? A licensed agent from our New Albany office reviews every request personally. First name Last name Phone Email By clicking “Request my free quote,” I give Yellow Ribbon Insurance LLC my prior express written consent, by electronic signature, to contact me at the phone number I provided with calls and text messages about my insurance quote and related insurance products and services, including calls and texts made with automated technology or an artificial or prerecorded voice, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies. Consent is not a condition of purchase; I can call (812) 577-8749 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://yellowribboninsurance.com/privacy/) and [Terms of Use](https://yellowribboninsurance.com/terms/), including the [arbitration clause](https://yellowribboninsurance.com/terms/#arbitration) and [E-SIGN consent](https://yellowribboninsurance.com/terms/#esign). Please add your first and last name, a 10-digit phone number and a valid email. ✓ Request received A licensed agent from our New Albany office will reach out to go over your coverage. [Prefer to talk? Call (812) 577-8749](tel:8125778749)Mon–Thu 9am–6pm · Fri 9am–5pm ET ## How do you replace the policy before the end date without a gap? **The short answer:** Start a replacement quote the week the notice arrives, set the new policy to begin exactly when the old one ends, and answer every application question about the nonrenewal honestly. Twenty days goes fast. Our [home insurance quote checklist](https://yellowribboninsurance.com/blog/home-insurance/what-do-you-need-for-an-indiana-home-insurance-quote/) lists what to gather; for a nonrenewed home, add the notice and explanation, your claims report and any dispute, proof of repairs, and your current declarations page so the new limits can match or improve on the old ones. * **Tell the truth on the application.** Under IC 27-7-12-6, material misrepresentation in getting a policy is one of the few reasons an insurer can cancel after 60 days. * **Match the dates and times.** Policies list a start and end time as well as a date. A gap of even a day leaves the house uninsured and can trigger a servicer letter. Our New Albany office can quote a replacement. Ask whether a policy is available for your home; eligibility depends on the home, its roof and its claims, and no one can promise a nonrenewed home will be accepted. You can see the coverages we write on our [home insurance page](https://yellowribboninsurance.com/home/). ### An illustrative 20-day timeline Illustrative timeline An Indiana homeowner's policy period ends June 1. The insurer mails the nonrenewal notice on May 12, the 20-day minimum, saying the roof doesn't meet its guidelines. | | | | --- | --- | | May 12: notice mailed, 20 days before the policy period ends | Day 0 | | May 15: letter arrives; written request for the reasons, inspection findings and any report used; free CLUE report requested | Day 3 | | May 16: replacement quote started with the declarations page, roof age and claims list | Day 4 | | May 20: explanation arrives, citing worn shingles found on an exterior inspection; roofer booked | Day 8 | | May 22: CLUE report shows one wrong claim amount; dispute filed (it won't finish before June 1) | Day 10 | | May 26: replacement policy issued to start June 1, when the old one ends | Day 14 | | May 27: new declarations page and bill sent to the mortgage servicer; receipt confirmed | Day 15 | | June 1: old policy ends; new policy begins | No gap | Illustrative timeline only, not a quote, a promise of acceptance or legal advice. Dates and facts are invented. Your notice may come earlier than the minimum, and your insurer's reasons or your lender's requirements can change the steps. ## What should you tell your mortgage servicer after a nonrenewal? **The short answer:** Tell your servicer the old policy is ending, send the new declarations page as soon as you have it, and answer any force-placed insurance letter quickly, because federal rules require notice at least 45 days before a charge. If the servicer can't confirm your replacement, it can buy force-placed insurance and charge you. The CFPB says that coverage "is usually more expensive than finding an insurance policy yourself," and "in many instances, this insurance protects only the lender, not you." The federal servicing rules in [12 CFR 1024.37](https://www.consumerfinance.gov/rules-policy/regulations/1024/37/), which cover most home loans, set the sequence: 1. The servicer needs a **reasonable basis to believe** you lack the required coverage before charging you. 2. A **first written notice at least 45 days** before any charge, warning that force-placed insurance may cost significantly more and cover less. 3. A **reminder at least 15 days** before charging, no sooner than 30 days after the first notice. 4. Once you send **proof of coverage**, **15 days** to cancel the force-placed policy and refund charges for any overlap. Send the new declarations page and bill the way your servicer asks, and confirm they arrived; if escrow pays your premium, the servicer needs that bill. Our guide to [switching home insurance without an escrow problem](https://yellowribboninsurance.com/blog/home-insurance/how-do-you-switch-home-insurance-without-an-escrow-problem/) walks through the paperwork and the old policy's refund. **Don't ignore a force-placed insurance letter,** even if you've already sent proof. Reply with the declarations page and keep a record. ## When does the Indiana FAIR Plan make sense? **The short answer:** The Indiana FAIR Plan is a last-resort option for homeowners turned down by at least three insurance companies, offering basic coverage with a $250,000 dwelling limit through any licensed Indiana agent. The [Indiana FAIR Plan](https://www.indianafairplan.com/) (the Indiana Basic Property Insurance Underwriting Association, set up in 1968 by insurers licensed in Indiana) calls itself "designed to be used as a last resort to obtain basic property insurance." Its [consumer page](https://www.indianafairplan.com/consumers.html) says you may qualify after at least three insurance companies deny you homeowner coverage, and you apply through any licensed Indiana agent. The plan's product summary describes four forms: | Form | Type | Liability | Occupancy | | --- | --- | --- | --- | | DP1 Basic | Dwelling fire, named perils | None | Owner- or non-owner-occupied | | DP2 Broad | Dwelling fire, broader perils | None | Owner-occupied | | HO-8 Basic | Homeowners, modified | $100,000 | Owner-occupied | | HO-2 Broad | Homeowners, broad named perils | $100,000 | Owner-occupied | Dwelling coverage tops out at $250,000, and the summary lists actual cash value settlement on all four forms, so depreciation comes off a claim. The summary is undated, so ask the agent to confirm current terms. * **Inspection:** every home, inside and out, and coverage can be declined or limited if the inspection can't be completed; the plan's [agent page](https://www.indianafairplan.com/agents.html) says reports can take 30 days or more. * **No instant binding:** agents can't bind coverage. The effective date is when the plan receives both the application and the deposit (at least $250, or the full annual premium). * **Payment:** annual premiums by check or money order only. * **Occupancy:** the consumer page says vacant or unoccupied homes aren't eligible unless a licensed contractor is actively renovating them and they'll be occupied within 90 days, though the agent page says some vacant homes that meet its guidelines can go on a dwelling fire policy. Ask before you apply. * **Renewal:** each year the plan asks for proof of three declines from the past 60 days, and it re-inspects renewal policies periodically, so keep looking for a standard policy. So apply before your old policy ends. Having had FAIR Plan coverage can't be held against you later: under IC 27-7-12-7, an insurer that later covers you can't cancel or nonrenew you just for having had it. If your home is declined elsewhere, ask whether our office can help with a FAIR Plan application. ## When should you take a nonrenewal to the Indiana Department of Insurance? **The short answer:** If the notice came late or not at all, the written reasons never arrived after you asked, or the reason looks like one Indiana prohibits, file a complaint with the Indiana Department of Insurance online or at 1-800-622-4461. The department's [complaints page](https://www.in.gov/idoi/consumer-services/complaints/) calls its online portal "the preferred & most efficient method" and also takes complaints at 1-800-622-4461. It says it typically processes complaints within 72 hours and that companies must respond within 20 business days. A nonrenewal complaint is strongest when it points to a specific rule: * the notice was mailed fewer than 20 days before the period ended, or not at all (IC 27-7-12-4 and -5); * you asked for the specific reasons in writing and got nothing, or only a vague phrase; * the reason is on Indiana's prohibited list (IC 27-7-12-7); or * the decision rested solely on credit, or the credit explanation didn't name the primary factors (IC 27-2-21). Missing documents can delay a complaint, the department notes, so attach your nonrenewal file, and keep working on replacement coverage meanwhile. For everything a standard policy covers, start with our [Indiana home insurance guide](https://yellowribboninsurance.com/blog/home-insurance/indiana-home-insurance-guide-coverage-costs-and-quote-questions/). ## Bottom line In short: an Indiana nonrenewal gives you at least 20 days from the mailing date, so ask for the reason in writing, check your claims report, fix what you can and have new coverage start the day the old policy ends. The law gives you a notice, a written reason on request and a list of reasons an insurer can't use, but not more time. Work the repair, the replacement and your servicer at once, and keep the FAIR Plan and a complaint as backstops. Our New Albany office can go over your notice and declarations page with you and quote a replacement, or you can [stop by or call](https://yellowribboninsurance.com/contact/). Free quote · about 30 seconds Request a free home coverage review from New Albany Start with your ZIP. A licensed agent from our New Albany office reviews every request personally. Enter your ZIP code CoverageAutoHomeAuto + HomeRentersCondoLandlordBusinessLife Please enter a valid 5-digit ZIP code. **4.8★** from 214 Google reviewsVeteran-ownedLicensed in Indiana & Kentucky Prefer to talk? [(812) 577-8749](tel:8125778749) · Mon–Thu 9–6, Fri 9–5 ET Almost done Where should we reach you? A licensed agent from our New Albany office reviews every request personally. First name Last name Phone Email By clicking “Request my free quote,” I give Yellow Ribbon Insurance LLC my prior express written consent, by electronic signature, to contact me at the phone number I provided with calls and text messages about my insurance quote and related insurance products and services, including calls and texts made with automated technology or an artificial or prerecorded voice, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies. Consent is not a condition of purchase; I can call (812) 577-8749 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://yellowribboninsurance.com/privacy/) and [Terms of Use](https://yellowribboninsurance.com/terms/), including the [arbitration clause](https://yellowribboninsurance.com/terms/#arbitration) and [E-SIGN consent](https://yellowribboninsurance.com/terms/#esign). Please add your first and last name, a 10-digit phone number and a valid email. ✓ Request received A licensed agent from our New Albany office will reach out to go over your coverage. [Prefer to talk? Call (812) 577-8749](tel:8125778749)Mon–Thu 9am–6pm · Fri 9am–5pm ET ## Frequently asked questions Does an Indiana nonrenewal notice have to give a reason? Not by itself. [Indiana Code 27-7-12-4](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-4/) requires the notice to be in writing, mailed to your last known address at least 20 days before the policy period ends, and to state that the insurer won't renew. The specific reasons come in writing when you ask for them. Under IC 27-7-12-5, that explanation must be clear and specific enough for a reasonable lay person to identify the basis for the decision without further inquiry. Make your request in writing and keep a copy. Will a nonrenewal make it harder to get another homeowners policy? It can, because the next insurer will look at the same roof, condition and claims history, and an application may ask about past cancellations or nonrenewals. Answer honestly: under IC 27-7-12-6, material misrepresentation in getting a policy is one of the few reasons an insurer can cancel after the first 60 days. Once you're insured, Indiana protects you: under [IC 27-7-12-7](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-7/), that insurer can't cancel or nonrenew you just because another insurer previously declined you or ended your policy. It doesn't stop a new insurer from declining an application. Can an Indiana insurer refuse to renew my policy because I filed claims? Indiana's statute doesn't list approved reasons for a nonrenewal, and claims history isn't on the list of prohibited reasons in IC 27-7-12-7. The NAIC's consumer guide notes that insurance companies generally have the right not to renew a policy. What you can do is ask in writing which claims were counted, then check them against your own CLUE report. If an entry is wrong, dispute it: under the Fair Credit Reporting Act, the reporting company must reinvestigate free of charge, generally within 30 days. What if I never got a nonrenewal notice and my policy just ended? First, check whether the insurer sent a renewal bill you didn't pay. Under IC 27-7-12-4(d), if it offered to renew and you didn't respond, no nonrenewal notice is required. If it simply didn't renew and no notice was provided as required, IC 27-7-12-5(b) treats coverage as renewed for the next policy period once you pay the premium, unless you've accepted replacement coverage or agreed to the nonrenewal. Raise it with the insurer in writing, contact the Indiana Department of Insurance, and get coverage in place right away. Does the Indiana FAIR Plan include liability coverage? It depends on the form. The plan's product summary lists $100,000 of personal liability and $1,000 of medical payments on its two homeowners forms, HO-8 Basic and HO-2 Broad. Its two dwelling fire forms, DP1 and DP2, don't include liability. The same summary lists actual cash value settlement and a $250,000 dwelling maximum. Because that document is undated, ask the agent handling your application to confirm the current terms, and ask about separate liability coverage if you're placed on a dwelling form. ## Related questions ### Can my insurer raise my deductible at renewal instead of dropping me? Yes, and Indiana doesn't treat that as a termination. Under [IC 27-7-12-2](https://law.justia.com/codes/indiana/title-27/article-7/chapter-12/section-27-7-12-2/), a reasonable deductible change, coverage change or lower limit tied directly to a hazard and made on a renewal date isn't a cancellation or nonrenewal. Read the renewal offer closely, especially wind and hail deductibles and roof settlement terms, before you accept it. ### Can I ask my insurer to reconsider a nonrenewal? You can ask, and it costs nothing. Send proof of the fix, such as a roof invoice and dated photos, and ask in writing whether the insurer will re-inspect before the end date. Indiana's statute doesn't require it to reconsider, so keep your replacement quote moving while you wait for an answer. ### What is an adverse action notice on a homeowners policy? It's the notice federal law requires when an insurer denies, cancels or otherwise acts against you based in whole or in part on a consumer report. Under 15 U.S.C. 1681m, it must name the reporting company and tell you about your right to a free copy within 60 days. In Indiana, a decision based on credit also needs up to four primary factors explained. ### Does the Indiana FAIR Plan insure a vacant house? Often not. The plan's [consumer page](https://www.indianafairplan.com/consumers.html) says vacant or unoccupied homes aren't eligible unless a licensed contractor is actively renovating them with completion expected within 90 days, though its agent page says some vacant properties that meet its guidelines can qualify. Ask about the occupancy rules before you apply. ### How long does a FAIR Plan inspection take? The plan inspects every home it insures, inside and out, and its agent page says inspection reports can take 30 days or more. Coverage doesn't wait for the report: the plan uses the date it receives both the application and the premium deposit as the effective date. It also re-inspects renewal policies periodically. ## Keep exploring [**Switching with escrow** Keep your servicer and both policies in step](https://yellowribboninsurance.com/blog/home-insurance/how-do-you-switch-home-insurance-without-an-escrow-problem/)[**Roof age and settlement** Why the roof drives eligibility and claims](https://yellowribboninsurance.com/blog/home-insurance/how-do-roof-age-and-roof-settlement-terms-affect-indiana-home-insurance/)[**Home quote checklist** What to gather before a replacement quote](https://yellowribboninsurance.com/blog/home-insurance/what-do-you-need-for-an-indiana-home-insurance-quote/)[**Home insurance** Coverage built around your Indiana home](https://yellowribboninsurance.com/home/) ## Get a straight answer on your coverage Free quote or coverage review with a licensed agent in New Albany. No pressure either way. [Get my free quote](https://yellowribboninsurance.com/quote/) [Call (812) 577-8749](tel:8125778749) --- **Yellow Ribbon Insurance** · 3211 Grant Line Rd Ste 7, New Albany, IN 47150 · (812) 577-8749 · Mon–Thu 9:00 AM–6:00 PM, Fri 9:00 AM–5:00 PM ET Request a quote: https://yellowribboninsurance.com/quote-request (plain HTML form) or https://yellowribboninsurance.com/quote/ (guided).