GroundProof

Homeowners Insurance Non-Renewal in New Hampshire: Your Evidence Rights, Step by Step

Last verified against source: October 19, 2026 · Source: New Hampshire Insurance Department guidance on aerial imagery (as reported by PIA Northeast and state press coverage) — nh.gov/insurance. Verification note: NH guidance is confirmed via regulator-adjacent reporting rather than a single numbered bulletin; this page is re-checked against the Department's current consumer materials on the day of publication (Piece 4 maintenance rule).

The rule that protects you

New Hampshire's Insurance Department has issued guidance in the same direction as its New England neighbors: aerial imagery has limits as evidence, and a homeowner's ground-level documentation is part of the record an insurer should weigh.

What your insurer must do in New Hampshire

Imagery alone has limits. Under the Department's guidance, cosmetic readings from aerial photos — streaking, discoloration, surface wear — do not, by themselves, establish a condition worth non-renewing a policy over.

Ground evidence belongs in the decision. Where a homeowner submits dated documentation of the property's actual condition, that evidence is the counterweight the guidance contemplates: the photograph is one input, not the verdict.

Your notice still governs your deadline. New Hampshire's guidance does not replace the dates on your letter — your notice's effective date is the wall, and the evidence channel is how you use the time before it.

What to submit (in the order reviewers weight it)

1. A licensed professional's dated documentation — a roofer's report or receipt, an inspector's findings. In a guidance state, the professional artifact is what turns a disagreement about a photo into a documented record.
2. Dated transactional proof — invoices, permits, repair records, signed contracts for scheduled work.
3. Your written request for the images used, so you can see — and answer — the exact basis.
4. Your own dated photos — supporting material, weakest alone.

Your clock

No separate cure-period number is set by the guidance. Work backwards from your notice's effective date: image request in writing on day one, professional booked inside two weeks, packet submitted with delivery proof and margin for a review to complete before the lapse date.

If they won't review it

File a complaint with the New Hampshire Insurance Department (nh.gov/insurance). The Department issued guidance on this practice; a complaint that shows your submitted evidence went unweighed is the file that guidance exists for.

What GroundProof does in New Hampshire

The Dispute Sprint ($99 flat): we assemble your records and a professional report where the case needs one into a single packet matched to your deadline, ready for you to submit in your own name. We organize documentation; we do not negotiate with your insurer, file on your behalf, or promise an outcome.