After a fire loss can insurance company non-renew all coverages at time of policy expiration date. Per the insurance code it states that liability coverage cannot be removed while a claim is still open. Not clear about this provision of the code. Fire claim is still open and we received a NON_RENEWAL letter for all provisions of the policy. Is it legal for insurance company to non-renew policy in middle of a claim? Or must they still provide liability coverage while the claim is still open ?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.