Short answer: In Wyoming, a homeowners insurer that won't renew must give written notice at least 45 days before the expiration or anniversary date and state the precise reason, so you know exactly what to fix or dispute. On claims, Wyoming law gives insurers 45 days after receiving the claim and supporting evidence to accept or deny and pay. Wind, hail and wildfire are covered perils on most policies, but flood isn't.
This guide is general information for Wyoming homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Check wind, hail and wildfire terms
Most Wyoming homeowners policies cover wind, hail and fire, but many use a separate wind and hail deductible or pay roofs at actual cash value. Read your declarations and endorsements. Flood isn't covered; see FloodSmart.
Step 2: Use the precise-reason notice
Under Wyo. Stat. §26-35-203, an insurer must give written notice at least 45 days before the expiration or anniversary date, stating the precise reason for non-renewal. If the reason is a fixable condition, fix it and ask the insurer to reconsider. Details: Wyoming homeowners non-renewal rules.
Step 3: If you can't find a new policy
Ask your agent to check admitted and surplus lines insurers. See FAIR Plan vs. surplus lines home insurance.
Step 4: The 45-day claim rule
Under Wyoming's insurance code (Title 26), insurers must accept or deny a claim within 45 days after receiving the claim and supporting evidence, and pay within the same window. You can complain to the Wyoming Department of Insurance. More: Wyoming 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 Wyoming.
Frequently asked questions
Does a Wyoming non-renewal notice have to say why?
Yes. It must state the precise reason, under Wyo. Stat. §26-35-203.
How much notice before a Wyoming homeowners non-renewal?
At least 45 days before the expiration or anniversary date.
How fast must a Wyoming insurer decide and pay a claim?
Within 45 days after receiving the claim and supporting evidence.
Does Wyoming homeowners insurance cover flood?
No. Buy a separate flood policy.
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.