Yeah I know I understand how insurance companies work, BUT hypothetically say your roof and home gets wind damage of course you make a claim, Oh shit your Furnace Goes and now you got Soot caked on everything in your whole house of course another claim…Never a claim over little shit in 17 years BUT it is Manditory to have Insurance on your home BUT if something happens you get penalized/dropped for using it, is bullshit. This is where government should get involved. I Understand people take advantage BUT this is where an investigation should be utilized.