Insurer drops Duval family just days before Ian’s arrival

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JACKSONVILLE, Fla. — Imagine working for months to get your home covered, and then just days before a hurricane hits, you find out your insurance company has canceled your policy.

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That’s exactly what happened to one Duval family.

Then began a monthslong back-and-forth over the remaining lifespan of her roof.

Jennifer Cowart’s broker switched her home insurance company back in May after her previous insurer took her plan off the market.

“We believed at that time everything is fine. We had an inspection, we have a certificate, the roof is good for another 10 years,” said Cowart.

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As she watched the track of then-tropical storm Ian inch closer to Jacksonville Monday, she got a call.

“Our broker called us and said they dropped you on Friday,” said Cowart.

Jennifer said thankfully, her family is in a good financial position to weather the storm, but she knows for many Floridians stuck in her same situation, that’s not the case.

“I feel that’s a job for the Legislature and the governor to step in and stabilize that market. I thought that’s what they were trying to do with the special session, and it’s not helping clearly if an insurance company feels totally fine cancelling someone’s policy the week of a hurricane,” said Cowart.

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We reached out to Florida’s chief financial offer about Cowart’s case.

His office recommended calling the consumer helpline at 877-MY-FL-CFO (877-693-5236).

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Jennifer told us that will be her next step.