WTF? Is this for real? You have a homeowner's/renter's insurance policy, and a legitimate event happens that you put in a claim for, and they can then opt to drop you later on?
What the holy sh*tf*ck is that all about? I mean, the entire POINT of insurance is to pool resources to cover people in case of unforeseen events (hence all the rules in the policy regarding what can disqualify your claim).
Gods, I hate the insurance industry.