Can insurance company not renew policy because of the siding on home they insured you for 14 years same siding?

Homeowners Diminished Moral HazardYes, If your home has deteriorated due to lack of maintenance or upkeep your Insurer may cancel or not renew your Home Insurance Policy due to what they consider a diminished moral on the part of the homeowner.

In layman's terms a "Moral hazard" would translate into a lack of enthusiasm in your home ownership or a diminished will to maintain your home and property.

Remember that your Homeowners Insurance Policy is hazard or perils coverage. It is not a home warranty or a maintenance program.