Not only that but insurance companies can hold the right NOT to renew a policy, or to stop offering certain coverages.
A fun one to deal with for me: the insurance company I'm working for stopped offering flood insurance in 2010 and did not renew any flood policies. Customers were notified in writing of the change by September of 2010
Now in November if 2012 I run into people who thought they had flood coverage when, for over two years, they haven't.
Fun conversation there
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