[cstreit]

Great advice thank you. I didnt call my agaent because both events happened on weekends and they arent around, so I called the company. I wanted advice and help right away as I was a little overwhelmed both times with the damage.

The agent called and said that the company was going to non renew when our policy was up in September and that we would get a letter stating this. Our only alternative was to drop the water backup and move to a larger deductible as I stated above.

We are going to shop around. I dont mind the latger deductible honestly as my big concern is major catastrophe, not small events like this. Small events that I *thought* were part of the reason we had insurance, but have now been educated that this is not the case.

In a way I feel a little dumb for not realizing all this as I knew it about car insurance, guess I thought homeowners was somehow different.