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| Greeley | | The best time to switch policies is | | Approved Roof: A term used in |
| Portsmouth | | within one month of receiving your | | building construction. It indicates a |
| Gainesville | | policy renewal from your current | | roof made of fire-resistive materials, |
| Sioux City | | insurer. You can typically cancel your | | such as tile or asphalt shingles. |
| Jackson | | policy without any fees or penalties if | | |
| Irvine | | you act within this time period. | | Paid-In Surplus: Surplus paid in by |
| San Francisco | | | | stockholders, as contrasted with |
| Torrance | | If you decide to cancel your policy | | surplus earned through the |
| Nashville | | (after acquiring new coverage) | | operations of a business. |
| Trenton | | outside of the 30-day period, you may | | |
| Birmingham | | have to pay a fee or penalty. | | Commission of Authority: A document |
| Grand Rapids | | However, you may still save money | | outlining the powers delegated to an |
| Flushing | | after paying the fee if your new policy | | agent by an insurer. |
| Anaheim | | affords you significant savings. So | | |
| Fort Wayne | | while it is best to wait until your | | Borderline Risk: An insurance |
| Rochester | | receive your renewal notice, you CAN | | prospect of doubtful quality from an |
| Schaumburg | | cancel your policy at any time. | | underwriting point of view. |