Our homeowners insurance just sent us a letter telling us they were not going to renew our insurance. The reason is that they say they sent a letter to request information and didn't recieve a reply. They sent this letter after receiving the information. My question is, how long do you have to mail them a list of items stolen in a burglary? We reported the burglary by phone, and took 3 months to make up a list of stolen items. Now they are saying they didn't receive it, which they did. Is this legal?