I’m just mad. I found out today that if you file a claim for water damage on your home no matter how minor and even if they payout is zero dollars, most insurance companies won’t accept you if you re-shop. My broker bound me to a new policy with a new company last month because I started renting out my property and needed a different kind of insurance. Now the new company decided to cancel because of an unacceptable claims history. I had ONE claim. I got less than 4k to repair my garage floor and bathroom. Wasn’t even enough to get the job done. And now I have to search for some obscure company to take me at some higher rate. So basically if you have insurance folks, never use it. It’s just a fee you pay monthly to use the house it doesn’t actually serve you in any way and you will only ever be penalized for making use of it.