200q20v Insurance payoff

[Bayviewtom at cs.com]

Ed,

Unfortunately, most insurance companies play by the rule that if you suffer a
significant loss, they will non-renew you because they lost money as a result
of your claim. As a result, you, the insured, are considered "tainted" since
you have been non-renewed, and any insurance company willing to take your
business will consider your loss history when they figure out your premium.

It's the ugly business of insurance. We all need it, but the companies are in
it to make money, not pay out money. To all of you who have suffered losses,
you can at least take some comfort that if you are claims-free for three
years, you are on good ground again.

Tom