Q: What do I do when I receive my non-renewal notice?
A: You should contact your agent as soon as possible to discuss your options to secure property coverage to avoid any lapse in coverage.

Q:  What other resource is available to assist me in finding new coverage?
A.  You are encouraged to contact your agent to inquire about securing insurance through another insurance company.

In addition, you may visit www.helpinsure.com to find companies that are selling homeowners policies in your area. Helpinsure.com is a free service of the Texas Department of Insurance (TDI) and the Office of Public Insurance Counsel.

If you have been declined residential property insurance by at least two insurance companies you may be eligible for coverage with the Texas FAIR Plan. To obtain coverage you must contact an agent who is authorized to sell Texas FAIR Plan coverage. Ask your current agent if they are authorized to sell through the Texas FAIR Plan. For more information or to find an authorized agent, visit http://www.texasfairplan.org/.

For homeowners shopping tips and tools, please visit the Texas Department of Insurance website at http://www.tdi.state.tx.us/pubs/consumer/cb035.html.

If you do not have a home computer, you may wish to visit your local library for computer access to these websites.

If you have questions about shopping for insurance or to obtain consumer publications, you may call TDI’s Consumer Help Line at 1-800-252-3439.

Q: Who do I contact about cancelling my Texas Heritage policy in advance of the policy expiration date?
A: You may contact your Texas Heritage agent or send written notice of your cancellation to the address on your Texas Heritage policy.

Q: My mortgage company paid my home insurance premiums out of my escrow account last year.  When my insurance is non-renewed, what do I do?
A: Your mortgage company will receive notice of the non-renewal.  You will need to provide your mortgage company with proof of your new insurance coverage once it is secured.