won't Cover Because of Missing GuttersDec 26 2012
I don't expect any resolution, but I would like for my experience to be recorded. In 2004, I purchased homeowners insurance from State Farm. In 2009, I went to another insurance company, but switched back to State Farm in 2010. I was told at that that time that the underwriters had determined that I needed to make some improvement, one of which was to put gutters on the house. The house never had gutters and I was told by several people that gutters were not needed because the house was on stilts. Nonetheless, I tried to get the work done, but was unable to find someone with a ladder tall enough to reach the back side. Finally, in June of 2011, a charity came to help. The charity put on a new roof, replaced the rotting fascia boards, painted the house and was going to put up gutters, but my insurance was cancelled anyway. In August, my house was destroyed by fire. Ironically, it burned quickly because of the fresh tar on the roof. I am concerned that they, the underwriters, were discriminating against me based on my race and my credit score and making it more difficult for me to keep my house insured. Everyone whom I have told about the cancellation has been appalled that gutters were the issue on a house that had no gutters the first time State Farm insured it.