My husband and I are going through a divorce. My husband called my homeowners insurance company and told them I was running a business in my home. The home loan and the deed are both in my name only, and Mr. Dixon cancelled my policy based on his false accusations. Mr. Dixon did not call me or verify with me that this was true. He took at face value the word of someone who has since been ordered out of the home by the judge with his child.
I received the letter in the mail that my homeowners policy was being cancelled and went to Mr. Dixon's office, and he said it was because I had a business here. I asked him what he meant. I have a disabled tenant in the home who came into the home with my husband's blessing. I cook, clean, do laundry, and arrange for transportation via ambulance service for my tenant to and from dialysis three days a week. The tenant has home health nurses who come on an as-needed basis, as well as an occupational therapist and a physical therapist; these are professional, licensed health care providers. I do not provide medical care; I provide all other services, as you would for an ailing parent. My tenant is a family friend. I do not have to be licensed in the State of South Carolina to do this. I do receive rent and compensation for the services I help this man with.
I am being denied homeowners insurance due to this, and I am getting a cancellation, which will make my rates even higher than they already are. I believe this is a direct violation of the Americans with Disabilities Act as well as current HUD laws, discrimination due to a disability. I have tried to tell these people over and over that I do not provide medical care, but they refuse to listen and overturn the cancellation, which will occur on October 28th at 12:00 noon. Please help, as this is ridiculous as well as illegal. Thank you.
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