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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 4, 2014
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In Maryland, it is a law that insurance companies give policy holders 45 days notice of intent to not renew a homeowners policy. Neither State Farm Insurance nor our former agent, Bob Glista, notified us in advance, in ANY way, of an intent to not renew our homeowner’s policy. We did not receive a letter of any kind explaining their intent, or the reasons for it.
We received a phone call from Bob Glista’s secretary on November 27, 2012, advising us that State Farm would “no longer underwrite our homeowner’s policy because of recent changes due to super-storm Sandy.” She said that State Farm had decided to no longer cover “coastal areas” with homes that existed within 300 feet of water. I explained that our home was nowhere near the water – for at least a few miles. She said that was “strange” and that she would call the underwriter back. About an hour later I received a follow-up voicemail from her saying that she was correct and that our homeowner’s coverage would not be renewed.
That same day, my husband called to speak with our agent, Bob Glista, for an explanation and to find out when our current homeowner’s policy was set to expire. Bob did not call back. My husband called again the following day – and again did not receive a callback. On November 29th, at approximately 11:00 a.m. Bob Glista finally returned my husband’s call to advise him that our policy was expiring THAT DAY.
We are legally entitled to 45 days written notice of their intent to non-renew, and we were essentially given SAME DAY notification, forcing us into an expensive “band-aid” solution that would ensure continuity of coverage on our home. We want Bob Glista and State Farm insurance held accountable for breaking the law and are considering filing a civil suit against them to pay for the new, more expensive policy we were forced to obtain because of the lack of advance notice.