Thelma, I have a question for you since you worked in the insurance business and seem to have a lot of knowledge in that field. Why is it when you fie a claim on your home owners insurance they don't choose to continue your coverage after the requisite 3 years. I had this happen twice in the past 10 years. Once was due to a neighbor claiming my dog had caused damage he couldn't prove in any way - no one saw what happened, he just decided to blame my dig for some reason, though there were other dogs in the neighborhood who frequently ran free. The ins co paid him off rather than go to court, then declined to re-insure me. The second time, I had a legitimate wind damage claim, less than $2,000 and while they covered it, they too declned to continue coverage after thr required 3 years. I would think they would want to continue your coverage in order to recoup any losses as I would think claims are few and far between. I know I wouldn't make a claim unles I really needed to.
Swimmy wrote: "...watching an episode of CSI: Miami ..."
THAT must have been a chilling experience! Every time I catch a few minutes of these "law and order" shows I'm flatly appalled at the tactics used by police and prosecutors when they (as portrayed on the show) stamp all over everyone's civil rights on their way to a "fair" result. "Fair, schmair, we still have a constitution, don't we?" I yell at my TV set. (The dog really gets upset when I shout at the television, so I try to stay away from it... the television.)
LRTILL - Each Insurance Company has their own reasons for non-renewing a HO's polcy on the 3rd year Anniversary. These decisions use to be made by a human thinking Underwriter who would use judgment and common sense to arrive at his/her decision. BUT - now these "decisions" are made by pregrammed computers without any judgment or common sense being applied.
Most insurance companies WILL non-renew over a dog claim; especially if the Insurance company wasn't aware that you even had a dog. Believe it or not, but there is a "Hit List" of breeds of dogs that are NOT acceptable by Insurance Company's standards. You need to realize, owning a dog is a huge liability exposure and there is no defense for any claims made against your dog. It is call Absolute Liability.
A windstorm claim should NOT have caused your HO's policy to be non-renewed, unless you had a history of putting in other small amount of claims. I am assuming you do not live in an area that is noted to have hurricanes or other high wind areas.
I've been out of the insurance business now for almost 10 years and don't regret taking early retirement as more and more companies are now relying on computers making decisions, rather than using Underwriters who used their brains and common sense to make decisions.
Amazon settled with Leon over a year ago for a fairly large amount. I don't know the particulars of the case, but I know he won summary judgement, which means the Judge (Federal) thought the claim was solid.