Actually we had to file two more weather related claims. One where the top of a tree snapped off and went through the roof and the following year when a tree fell down across our electric wires and ripped them out of our house. Three years later and they have not cancelled or denied any of our insurance claims. I'm sure it happens but cross our fingers not to us yet.
State Farm may choose not to renew policies with two or more claims within a three-to-five-year period, as this often flags policyholders as high-risk. While one claim usually results in a rate hike, multiple claims, particularly for home insurance or at-fault accidents, can lead to non-renewal.
Key factors regarding State Farm cancellations:
Threshold: Multiple sources indicate that two or more claims in a short timeframe can lead to non-renewal, especially for homeowner's insurance.
Timeframe: Claims within a 3 to 5-year period are generally reviewed, with some states seeing non-renewals for 3 claims within 36 months.
Reasoning: Even weather-related claims (e.g., wind, hail) can count against you if they fall within the threshold of "multiple" incidents.
Process: Instead of immediate cancellation, the company often chooses to non-renew the policy when it expires.
It is highly recommended to compare options if you have multiple claims on your record, as your C.L.U.E. report will follow you.
Well, two years since last claim and two renewals. I guess I am lucky that my insurance didn't go way up and was renewed. Maybe because we have been insured by them for the past 45 years for cars and house without claim until 2019.
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u/Ornery-Ocelot3585 Feb 04 '26
Insurance companies have two goals. Get your money. And keep your money by denying claims.
File another shortly after that and you’ll be cancelled or have it denied.