Who’s Watching Your Policy?
When Agents Walk Away
The Connecticut Supreme Court just gave insurance agents a free pass: they have no duty to tell you when your insurer decides not to renew your policy.
Think about that. You can pay premiums for decades, build a relationship with an agent you trust, and when the company quietly walks away, Boom! you’re left standing in the ashes. Literally. That’s exactly what happened to the Deer family, whose home burned down only to discover their policy wasn’t renewed. No coverage. No payout. Just rubble.
The court’s reasoning? Once an agent procures the policy, their “duty” ends. From that point on, it’s the insurer’s job to notify you of nonrenewal. Sure, there are statutes saying insurers must send notice within 45 days. But what if that certified letter never arrives? What if it gets lost in the mail? Suddenly, you’re uninsured—and your trusted agent isn’t legally on the hook.
The dissenting justices got it right: the bright-line distinction between cancellation and nonrenewal is artificial. In a world where insurers use inspections, defects, and technicalities to wriggle out of coverage, pretending that agents bear no responsibility to their clients is out of step with reality.
Here’s the irony: an agent should want to jump in when a client faces nonrenewal. Why? Because that’s their chance to write a new policy with a different carrier. But now the law says they can shrug, look away, and let you find out the hard way.
This case exposes what policyholders deal with every day: insurers and agents playing pass-the-buck while families lose everything. When the system is designed this way, the people it’s supposed to protect are always last in line.
📢 Call to Action
Got denied or lowballed on a claim? Good. You just found your people.
👉 Join the Telegram Rebels today: @Inssuxdotcom
#️⃣ #MakeThemPay #InsuranceJustice #INSSUX