AMA Home Insurance Reviews

We have a more than 20 yrs claim free history with AMA. Last month, there was a leak in our basement and we opened a claim. An adjuster came with a contractor, but we haven't received an estimate yet, so we haven't even decided if we will claim anything. What we received, was a call that our insurance is going up by 25% because we may claim something in the future! It's basically a blackmail. They are very happy to collect the premiums but they are definitely not willing to pay out. I would not recommend this insurance company. Even though they are claiming that this is normal practice in the insurance industry, I don't think it's ethical. We were told that our premium will go back down if we close the claim.