Can our Insurance company deny a claim or cancel our homeowners insurance do to having a felony , bankruptcy, or lean.

Your insurance company engaged in "underwriting the claim" or post-claim underwriting. They found reasons to rescind your policy for false answers on the application. See a lawyer who knows about insurance law and if you don't know one, call your local bar association for a recommendation.

Florida law has a statute regarding material misrepresentations in an insurance application. The misrepresentation does not have to be intentional. If the insurance company would not have written the policy or would have increased the premium - it can deny the claim and rescind the policy. This usually happens with prior bankruptcy that is not placed on the application.

You maybe able to file a claim against the carrier depending on the specific facts of the case. If you have not yet retained an attorney - you may want to send me an email

I am representing a couple with the same facts as yours, i.e., the insurance was cancelled by the insurance company after a fire because the husband had a felony conviction in violation of underwriting guidelines. The insurance company certainly has the right to attempt to rescind the policy, but there are defenses to any attempt by the insurer to cancel your policy, including your accurately answering the questions asked of you by the agent who sold you the policy. If a jury believes you, you will win the case. Many lawyers in Florida will handle your case on a contingency basis because if you win, your lawyer will get paid by the insurance company. I would call around. I'm in Melbourne if you want to give me a call.