How Can Insured Cancel Home Owners Insurance?

[ralfgage]

I have a situation with one of the insured for home owners insurance. Client of mine bought insurance from me at renewal and informed previous company that he is not going to renew with them, also wrote agent e-mail stating the same and called agent and told him about the same. Previous agent wants this in writing on his agency's letterhead and refusing to cancel this policy. My client feels he has informed the company and agent and fulfilled his obligation. My client still get bills from the previous insurance company for premium payments because agent refuse to cancel policy without him signing the letter. Anyone has any suggestions for me or my client what to do?
When my clients don't renew with me I don't impose any of these conditions.
Thanks.

 

[BIG RED IS BACK]

Send a DEC page directly to the company

 

[JenkinsAgency]

Sounds like a real short-sided ass of an agent. When someone cancels with us, we have a form we send them to print, sign and either hand deliver, scan / email or fax to us. We're as helpful and kind as possible when that happens, knowing full well if they have a positive experience as they leave us, we'll have a leg up at their next x-date.

 

[ralfgage]

Sounds like a real short-sided ass of an agent. When someone cancels with us, we have a form we send them to print, sign and either hand deliver, scan / email or fax to us. We're as helpful and kind as possible when that happens, knowing full well if they have a positive experience as they leave us, we'll have a leg up at their next x-date.

I agree with you. Client who is leaving you on good terms is better prospect than cold call or direct mail. If/when they leave I make it very pleasant for them so I can keep in touch with them.
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Send a DEC page directly to the company

DEC page of policy that I wrote or previous renewal policy?

 

[JenkinsAgency]

I agree with you. Client who is leaving you on good terms is better prospect than cold call or direct mail. If/when they leave I make it very pleasant for them so I can keep in touch with them.
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DEC page of policy that I wrote or previous renewal policy?

Previous policy. Sending the dec page back to the company that issued it is a really old fashioned way of canceling.

 

[AgentProvocateur]

Previous policy. Sending the dec page back to the company that issued it is a really old fashioned way of canceling.

I'd send the dec page for your company as well, to show the home insurance coverage has been replaced, with an explanatory letter. Sending the old dec back to the company shows intent to not take the renewal offer, if it is coming from the customer, but you want to make the cancel request as ***-proof as possible.

 

[djs]

You want to show the coverage was replaced, especially if it will require a backdated cancellation.

A signature for the cancellation is not a bad thing to request. Asking for it on 'agency letterhead' is probably borderline illegal.

Ultimately, the policy will cancel anyway, it apparently wasn't paid for. Not worth a lot of hassle, but scanning a signed letter and emailing it will solve the problem.

Dan

 

[Underwriter2Agent]

Anytime I have a policy that may have another agent on a previous file I send a completed acord 35 to my client when I send the application to get signed by them once policy is bound ready to issue.

I then take the signed acord cancellation and send it to the previous producing agent with a copy of either the EOI or Dec page haven't had any issues with this method.

 

[gambrinus]

I had a local FARMERS agent decide that he was going to be a prick and pull the same kind of stunt with me. Client sent him a fax.. that wasn't good enough. Sent email... nope, sorry can't cancel you. I called him and had and unpleasant conversation that involved me offering to fwd all documents to the state insurance commissioner. It takes way less energy to just be nice.. and roll with it.

 

[BIG RED IS BACK]

I had a local FARMERS agent decide that he was going to be a prick and pull the same kind of stunt with me. Client sent him a fax.. that wasn't good enough. Sent email... nope, sorry can't cancel you. I called him and had and unpleasant conversation that involved me offering to fwd all documents to the state insurance commissioner. It takes way less energy to just be nice.. and roll with it.

Its really not that difficult, just fax the cancellation letter you have, and the DEC page and send it to the carrier, I have had to do this numerous times, why get into a pissing match with other agents, there is an easier way