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Urgent: Who is the independent insurance agent working for, me or the insurance carrier?

Asked by Jeruba (56258points) November 11th, 2024

My question is about a homeowner policy.

If I have some sort of, er, difference of opinion with the insurance company, is the independent agent who has my account going to be working for me or for them?

The insurance company is looking to cancel my policy on the basis of what looks like a speck seen from a satellite. There is no debris on my roof. We know a lot of carriers are trying to do this, get rid of policy obligations, at least in California. Is my agent supposed to help me keep my insurance? or what?

I feel like I have to know this before I speak to the agent: whose side is he on?

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