Insurance companies are especially sensitive to NUMBER of
claims rather than amount of the claim. Repeated claims get
their attention FAST. If they give you the option of renewing
with a higher deductible, consider yourself fortunate.
Many, including S.F. , are advising policy holders to find
coverage elsewhere after multiple claims, especially in areas
where there is frequent natural damage.
It is probably wise to carry a HIGH deductible and self insure
for the small stuff.
Once you have been cancelled or had your renewal declined,
it is MUCH harder to find new coverage.
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