Short answer: Under M.G.L. c.175 §193P, a Massachusetts insurer that won't renew your homeowners policy must give written notice at least 45 days before it expires, stating the specific reasons. Mid-term cancellation follows a different rule, §99, which generally requires 5 days' notice, or 10 days for nonpayment.
Non-renewal
c.175 §193P requires:
- Written notice at least 45 days before expiration
- The specific reasons
- Delivery to the mailing address on your policy, or to the agent or broker who issued it
Cancellation
§99 generally requires 5 days' notice to cancel, 10 days for nonpayment, and 20 days' notice to your mortgage lender.
Roof imagery
The Division of Insurance has published guidance on aerial roof imaging. It says you can ask the insurer to explain its decision and send your own documentation. See also the Division's homeowners FAQ.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Massachusetts.
Frequently asked questions
How much notice is required for a non-renewal in Massachusetts?
At least 45 days, with the specific reasons.
How much notice for a mid-term cancellation?
Generally 5 days, or 10 days for nonpayment.
Can I challenge an aerial roof assessment?
You can ask for an explanation and send documentation.
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.