Good lord. That's doubly terrible. I'm so sorry. I'm hearing from many people in the Midwest no matter the ethnicity that insurers are cancelling their home insurance if their roof is older than 10 to 12 years. It's ludicrous. Then you lose your mortgage like is happening to you. I don't get it.
The insurance companies probably want out of responsibility for natural disasters due to climate change. They read the statistics and know the math. This is not going to go to a class action lawsuit unless the lenders get involved, but they won't because they have a self insurance plan.
The insurance companies can reserve for what their models show. It's a choice. Instead they appear to be looking only to insure properties at extremely low risk of any covered events. That's not what insurance is supposed to be. You spread the risk across large pools and reserve.