Renewals & Cancellations
Renewal notices, re-rating, lapse handling & regulated cancellations
Renewals — 30 Day
312
Renewals — 60 Day
548
Renewal Retention
88.7%
−0.6 pts
Non-Renewal Notices
14
All
30-Day
60-Day
90-Day
Non-Renewal
| Policy # | Insured | Expiry | Days Left | Current | Re-Rated | Consent |
|---|---|---|---|---|---|---|
| POL-AU-2025-77310 | Marta Alvarez | 2026-01-14 | 28 | $1,840 | $1,924 (+4.6%) | Auto-Renew |
| POL-HO-2024-51120 | Marta Alvarez | 2026-06-02 | 52 | $2,220 | $2,394 (+7.8%) | Manual Consent |
| POL-CA-2025-33012 | Alvarez Logistics LLC | 2026-09-01 | 84 | $18,400 | $19,410 (+5.5%) | Manual Consent |
| POL-HO-2023-40188 | Devon Ellery | 2026-08-19 | 27 | $3,120 | — | Non-Renewal |
Non-renewal notice for POL-HO-2023-40188: lapsed roof inspection in wildfire zone — reason stated on notice, 45-day notice period met per state regulation.
Lapsed & Reinstatement
| Policy # | Insured | Lapse Date | Grace Ends | Outstanding | Days Lapsed | Status |
|---|---|---|---|---|---|---|
| POL-HO-2023-40188 | Devon Ellery | 2026-07-23 | 2026-08-22 | $260.00 | 1 | In Grace Period |
| POL-AU-2024-61220 | Priya Nandakumar | 2026-07-08 | 2026-08-07 | $412.50 | 16 | In Grace Period |
| POL-AU-2023-58004 | Grant Whitfield | 2026-06-11 | 2026-07-11 | $978.00 | 43 | Lapsed — Re-Underwrite |
Grace-Period Rules
- Coverage stays active during a 30-day grace period from the lapse date.
- Payment received within grace restores the policy with no gap in coverage.
- At grace-period end, an unpaid policy lapses and the reinstatement workflow is required.
Reinstatement Workflow
- Pay outstanding balance + $45 reinstatement fee.
- Signed gap-in-coverage / no-loss statement required for the lapsed interval.
- Re-underwriting required if lapse > 30 days — new rate and eligibility check apply.
POL-AU-2023-58004 lapse exceeds 30 days — reinstatement needs a human underwriter to re-rate before coverage can resume.