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Chris,
I am in the insurance business.
First you are right it is not the amount of a claim or even if you get paid that they look at. It is this history. Ie: number of claims.
You need to clarify a few things for me.
Incident #1. was roof damage causing a leak.
Incident #2. 24 hours your basement flooded. How did it flood from the roof leak or from ground water?
Incident #3 was a sewer failure? Can you explain what happened in more detail?
Have you suggested an increase in deductible?
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