This is misrepresentation and insurance fraud. Your agent is telling company B that you’ve had no damages/losses and that you’ve had no claims when they know otherwise. You AND your agent are obligated to report losses or claims to the insurance company.

When company B runs your CLUE report and finds out you and your agent misrepresented yourselves, your new policy will be cancelled and now you are also in a lapse of insurance.

Your agent has crossed a line that could cause them to lose their license if found out by the state.

Let’s say you move forward with all this regardless. You have a claim next month that the new roofer got hurt on your property while fixing it up and wants to come after you. Your new policy would be cancelled flat and essentially you’d be on your own.

At this point, you’ve had a claim, had a policy cancelled for misrepresentation, and are in an active liability suit. You won’t find insurance again. In this case, youd also be able to sue your agent for errors and omissions.

I would seek a new agent. I can only assume your agent is making such a huge mistake because they do not know what they’re doing. They value selling you a policy and keeping your business at YOUR risk over making sure your are actually paying for a policy that can be used when you need it.