01

Record every date first

Keep the notice, envelope or delivery record, policy period and stated nonrenewal date together.

  • Write down when the notice arrived.
  • Copy the date coverage is scheduled to end.
  • Record every response or inspection deadline.
  • Keep the policy number and insurer contact with the notice.
02

Read the stated reason exactly

Property condition, claims, underwriting changes and regional exposure are different situations. Do not reduce the notice to a generic label.

03

Check the state process

Notice timing, explanation rights and review paths vary. Use the insurance regulator for the state involved.

Sources: NAIC consumer insurance resources

04

Prepare alternatives with complete facts

A licensed producer may need property updates, inspection information, loss details and current declarations to explore available options.