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I thought insurance companies distinguished between disasters that are an act of god versus those that are maintance preventable in figuring how many claims you've had in 5 years. In other words, can they really drop you for 3 claims for hail damage in 5 years, versus 3 claims of sewer lines breaking?

Steve, I might just have my sewer lines checked to know their status based on the age of the home. Tree roots can really do a number on those lines. Based on that information, I would make a decision. I tend to be one who picks self insurance on most things and probably would in this case as well.