Short answer: If at least three insurance companies deny your Indiana home, you may qualify for the Indiana FAIR Plan, which you apply for through any licensed Indiana agent; its coverage is limited, so it's a last resort. Indiana's non-renewal notice period is short: insurers must mail written notice at least 20 days before the policy period ends, so start shopping the day a notice arrives. Indiana law doesn't set fixed day counts for paying property claims.
This guide is general information for Indiana homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Document storm damage the right way
The Indiana Department of Insurance's claim tips urge homeowners to document damage and avoid permanent repairs before the adjuster inspects. Make temporary repairs to prevent more damage and keep receipts. Flood isn't covered by homeowners insurance; see FloodSmart.
Step 2: Move fast on a non-renewal
Under Ind. Code §27-7-12-4, written notice must be mailed at least 20 days before the policy period ends. That's one of the shorter notice periods in the country. Details: Indiana homeowners non-renewal rules.
Step 3: The Indiana FAIR Plan
The Indiana FAIR Plan says that if you've been denied homeowner coverage by at least three insurance companies, you may qualify. Apply through any licensed Indiana agent, and consider every other option first because FAIR Plan coverage is limited. See FAIR Plan vs. surplus lines home insurance.
Step 4: Claim timing
Indiana's unfair claims law, Ind. Code §27-4-1-4.5, requires insurers to act reasonably promptly and decide within a reasonable time after proof of loss, without fixed day counts for property claims. You can complain to the Indiana Department of Insurance. More: Indiana insurance claim deadlines.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Indiana.
Frequently asked questions
How do I qualify for the Indiana FAIR Plan?
If you've been denied homeowner coverage by at least three insurance companies, you may qualify. Apply through any licensed Indiana agent.
How much notice before an Indiana homeowners non-renewal?
Written notice mailed at least 20 days before the policy period ends, under Ind. Code §27-7-12-4.
Should I repair storm damage before the Indiana adjuster comes?
Make temporary repairs to prevent more damage, but the Indiana Department of Insurance advises against permanent repairs before inspection.
Does Indiana set a deadline to pay home claims?
No fixed day counts for property claims; insurers must act reasonably promptly.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.