Non-renewal notice

How do we send a non-renewal notice with the reasons the state requires, within the state's days before expiration, and prove delivery?

Generate the notice from the decision and run the state's clock on it. When underwriting decides not to renew, Callvu classifies the policy (the state, the line, the policy's age and the permitted grounds under the state's rule), checks the decision against the grounds and the restrictions (the moratoria after a catastrophe, the limits on non-renewal for claims history or age), generates the notice with the state's required content (the specific reasons, the effective date, the right to request the reasons or to appeal where the state gives one, the availability of other coverage), sends it by the method the state recognizes within the required days before expiration with proof of mailing or delivery, and writes the notice, the proof and the date to the policy system.

In scopeSimpleCallvu moves: classify, write back

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Last updated November 7, 2026.

The problem today

The notice gave thirty days in a state that requires sixty, so the policy renewed by operation of law.

Today, without Callvu

Underwriting decides not to renew a policy. A letter is produced from a template, mailed, and the policy expires. The state required sixty days of notice, the specific reason, and a statement of the insured's right to appeal; the letter gave thirty, said the company had elected not to renew, and was mailed without proof. The insured complains, the department finds the notice defective, and the carrier is on the risk for another term.

State non-renewal notice rules set, by line, the days of advance notice (thirty, forty-five, sixty or more before the expiration date), the method of delivery and the proof required, the content (the specific reasons in most states, the effective date, the insured's rights), the permitted grounds for personal auto and homeowners after the policy's first term, and the restrictions (no non-renewal for a single claim, for age, for a catastrophe loss during a moratorium). The rules vary enough that the notice must be generated for the policy's state, not from one template.

A non-renewal is a decision the carrier may make; the notice is the state's condition for making it.

How it runs

From the requestto the system of record.

Underwriting records a decision not to renew a policy (from the renewal underwriting process or an inspection follow-up). Callvu opens the notice case on the policy.

Underwriter: Records the decision and the reasons; decides exceptions in the Decision Desk.
Policyholder: Receives the notice with the reasons and their rights; may request the reasons or appeal where the state provides.
Agent: Receives the copy the state or the agreement requires.
Callvu: Classifies, checks the grounds, generates the notice, sends with proof on the clock and writes back.

Classify the policy and the rule
The policy's state, line (personal auto, homeowners, commercial), term and renewal count, the expiration date and any moratorium in force classify the rule: the days of notice required, the delivery method and proof, the required content, the permitted grounds and the restrictions.
Check the decision against the grounds
The underwriter's reasons are checked against the state's permitted grounds and restrictions (a claims-history limit, a prohibition on non-renewal for age or a single not-at-fault claim, a catastrophe moratorium, a required offer of alternative coverage); a decision outside the grounds or inside a moratorium stops here and goes to the underwriter in the Decision Desk with the rule.
Generate and send on the clock
The notice is generated for the state with the required content (the specific reasons in the words the state accepts, the effective date, the insured's right to request the reasons or to appeal to the carrier or the department where the state gives one, the availability of other coverage or the residual market, the agent copy) and sent by the recognized method (first-class mail with a certificate of mailing, certified mail, or electronic delivery where the state and the insured's consent allow) no later than the required days before expiration, with the proof captured.
Write back
The notice, the version, the sending date, the method and the proof of mailing or delivery are written to the policy system against the policy, the agent copy is recorded, the policy's expiration is set to not renew, and a late or defective notice is flagged before expiration so the carrier can renew or re-notice rather than discover it afterwards.

Where it ends: The non-renewal rested on a permitted ground, the notice carried the state's content, went out by the recognized method inside the state's days with proof, and the policy system holds all of it. The Decision Trace shows the classification, the grounds check and any exception; the Audit Trace shows the generation, the sending and the proof with their times. The Callvu moves in this process are classify and write back.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

State non-renewal notice rules (for example California Insurance Code 663 and 678, New York Insurance Law 3425 and 3426, Texas Insurance Code 551.105 and 551.106, Florida Statutes 627.728 and 627.4133, Massachusetts General Laws chapter 175 section 113A): A carrier must mail or deliver written notice of non-renewal to the named insured (and the agent in many states) a set number of days before the expiration date, by line and state (thirty days for personal auto in Texas, forty-five days for homeowners in California, forty-five to sixty days in New York and Florida), stating the specific reason or reasons in most states, with proof of mailing; after the first term, personal lines may be non-renewed only on the permitted grounds, non-renewal for a single not-at-fault claim or for age is prohibited in many states, and a notice that is late or defective leaves the policy in force until proper notice is given.
State catastrophe moratoria and emergency orders: After a declared disaster, the commissioner may bar non-renewals in the affected areas for a period (one year in California under Insurance Code 675.1 for a total loss or a declared area); the classification checks the moratorium list before any notice.
FCRA adverse action and state adverse underwriting notice rules: Where the non-renewal is based in whole or in part on a consumer report, the FCRA adverse action notice (the agency's name and the right to a free report and to dispute) and the state's adverse underwriting notice accompany the non-renewal notice.

Company policies

The notice is generated for the policy's state and line from the decision, never from a single template.
A decision outside the permitted grounds or inside a moratorium cannot generate a notice; it goes to the underwriter with the rule.
Proof of mailing or delivery is captured for every notice and written to the policy.
The policy system is the system of record for the notice, the proof and the expiration status.

Controls

State and line classification with the days, method and content.
Grounds and moratorium check.
Notice generation with the required content.
Sending within the clock with proof capture.
Decision Desk for decisions outside the grounds.
Policy system write and late-notice flag.

Clocks and deadlines

State non-renewal notice rules advance notice: The state's days before the expiration date by line, commonly thirty to sixty, with proof of mailing on that date.
Catastrophe moratorium: No notice while a moratorium covers the property, for the commissioner's period.
Late-notice flag: Raised before expiration so the policy can be renewed or re-noticed.

Documents and checks

The underwriting decision with the reasons
The classification and the grounds check
The notice as generated for the state
The proof of mailing or delivery
The policy system record

In the Decision Trace

The rule applied for the state and line.
The grounds check and any exception decision.

In the Audit Trace

The generation with time.
The sending and the proof with time against the days required.
The write.

The handoff

Between the front doorand the back office.

The front door

The policyholder receives the notice with the reasons and their rights; a request for the reasons or an appeal comes back through the complaint process.

The back office

The underwriter records a decision; the notice, the clock and the proof are the process's; the policy system shows it.

The Decision Desk

A decision outside the state's permitted grounds, inside a moratorium, or on a consumer report without the adverse action content goes to the underwriter in the Decision Desk with the rule and only renew, revise the grounds, or confirm with the required content.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Phoenix put more than 100 processes live in under 3 months.

Across Callvu customers

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

How many days of notice are required?

It depends on the state and the line, commonly thirty to sixty days before expiration; the process classifies the policy and sets the clock for its state.

Must the notice give reasons?

In most states, the specific reasons, plus the effective date, the insured's rights and the availability of other coverage; the notice is generated with the state's content from the underwriter's decision.

What if the notice is late or defective?

The policy stays in force until proper notice is given; the process flags a late notice before expiration so the carrier can renew or re-notice.

Related processes

Customer complaint intake and response Insurance department inquiry response Claim denial appeal Try it in the sandbox All insurance processes

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