Hello Marc and thanks for your email.
First, I can appreciate your frustration. Please know, however, that it is often not the insurance company, but the risk assessor (usually an independent consultant) who determines whether or not the insurance company can continue to provide a policy for the home. The only reason that so many people are coming out to look at your home has more to do with the property's history than your efforts to renovate it. It is also one of the reasons that I often steer my clients away from homes with excessive claims as indicated by the CLUE report unless the buyer is a cash buyer. It takes approximately three (3) years of "clean" insurance history on the home before the insurance companies will cease attempting to investigate every nook and cranny of your home and "dinging" you for any repairs made to the property, and, unfortunately, having policies terminate early due to the condition of the home will not help your situation.
So here's what I would suggest:
1. Check your CLUE report for any past damages. Keep in mind that both the number of claims and the amount tend to categorize a property as "higher" than average risk. Your insurance agent should be able to assist you.
2. This is important, use ONLY licensed contractors in making repairs to your home. You need to demonstrate to the insurance company that whoever is doing the work at your home is qualified and will complete the job to a recognized industry standard. Also, make certain that your work has permits. This is also very important. Had there been, for example, a contract and plans showing that the work on the back porch would be done a specific date and to certain specifications, the risk assessor would not have even noted the handrails. When you attempt to do something yourself, please either button it up and have it done before the assessor arrives or don't do anything until after the assessor leaves.
Okay, having said that, here's some suggestions: 1) State Farm Insurance - you can contact David Nance in Morgan Hill or a local agent to assist you; 2) Farmer's Insurance - yes, I know you don't like them, but sometimes the agent can help in these situations, talk with Peter Kohn at 925-820-1600; 3) Allstate Insurance - call your local agent in Gilroy.
Finally, please remember that regardless of who you choose as an insurance company, you will need to quickly finish the back porch and observe the things I mentioned in No 2 above to prevent losing additional policies or creating further negative reports on the property's insurance history.
Grace Morioka, SRES
Area Pro Realty