Non-renewal vs cancellation: deadlines and your rights in Florida, Colorado and Georgia
A non-renewal ends your policy at the end of its term; a cancellation ends it mid-term and is limited to a few reasons. Either way, the insurer must give you written notice with the reason, and the notice period is your window to appeal.
| State | Non-renewal notice | Cancellation notice (after first 60 days) | Reason required? |
|---|
| Florida | At least 120 days | At least 120 days; 10 days for nonpayment | Yes |
| Colorado | At least 60 days, by first-class mail | At least 60 days; 10 days for nonpayment | Yes, stated specifically |
| Georgia | At least 60 days (since Jan 1, 2026) | Check your notice; limited reasons apply | Yes |
When can an insurer cancel mid-term?
After a policy has been in force more than 60 days, Georgia allows cancellation only for nonpayment, fraud or material misrepresentation, a change in the risk that substantially increases a hazard, or a violation of material policy terms. Florida allows it only for nonpayment, material misstatement, failure to meet underwriting requirements within the first 60 days, a substantial change in risk, or a cancellation of an entire class of policies. An aerial photo showing a worn roof is usually argued as a "change in risk", which is something you can dispute with evidence.
Florida's hurricane rule
If a Florida cancellation or non-renewal would take effect while a hurricane is affecting your area, the effective date is pushed to the end of that hurricane.
What to do with your notice period
Use the first two weeks to ask for the image and evidence, the next two to get a roofer's opinion and fix anything real, and send your written appeal with at least 30 days left. Start shopping with an independent agent in parallel so you are never without coverage.
Got a letter? Roofd reads your notice, checks it against your state's rules and drafts your appeal letter and evidence checklist for free, in about ten minutes.
Start your appealSources