Tums is right. I had trees fall on my house 3 different times over a 3 year span. The company that insured this house and every other house, building, & business that I had bought over a 35 year period canceled my home insurance because I had 4 claims - the 4th "claim" was when someone broke a window out of my car and stole a computer. When I called my agent she said don't file a claim because it might effect your insurance. So I didn't, but they still said this was a "claim" and so the records showed I had four claims and the &*%$#@#@s cancelled my homeowners. Naturally, I told them to %^&$#@#$*^% and cancelled them. It was much harder and more expensive to get new homeowners insurance when I bought my new house.
