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Originally Posted by creditcardfree
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?
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Well, they can probably drop you for any reason they can come up with, but I think you are right in theory. Both of our claims were not acts of nature. First, we had a short in our circuit box and the entire box and wiring coming into the house had to be replaced. Second, we had a car fire in our driveway that did some property damage (had to repave, replace garage door, replace lighting fixture that melted, etc.).