For the past three years I have had homeowner's insurance with Travelers. Yesterday, I received notice of non-renewal for excessive claims (three in a three year period).
When I called to discuss the situation with them, I advised them that I had only one paid claim which was damage to my roof from typical Oklahoma winds. The other two incidents were potential water damage to my carpet from a hot-water heater and damaged fence from wind.
In regard to the water damage, this was a simple phone call to see if my carpet would be covered if damage was sustained. In fact after the carpet dried, there was no damage. On the other non-paid incident, (the fence), after an adjustor looked at it, I decided to pay for the repair myself.
I thought this would be a simple matter to clear up and that my insurance would then be renewed. However, I was told that a mere phone call can constitute a claim or loss and that there would be no reconsideration in my case.
In calling other insurance agencies, I found that the loss record being used by Traveler's was readily available to all insurance agencies and can be recovered by my name and address.
The loss record along with the non-renewal is resulting in my having to pay at least $200.00 more per year with less coverage and a higher deductible.
I apparently have no recourse, since the records mentioned above can not be challenged and technically (according to the Oklahoma Insurance Commission) they have done nothing illegal.
Bottom line, Insurance companies just want us to pay our premiums like good little boys and girls, but don't call them, and for goodness sake, never ever file a claim.