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As a new homeowner, I was advised to put a claim in when I enquired about possible water damage. As it turned out, there was no damage at all and I did not claim. A year and a half after I asked what the procedures are "if" I had a sewer backup. I was told that I have to put a claim in. I did not want to because I was not sure yet (had professional come to see). The lady insisted that a claim should be put in, and against my wishes, she did put a claim in. Again my fears were unsubstantiated and I rescinded the claim. Now, they refuse to insure me because I had two claims (which was never pursued!) and the agent had a "don't care" attitude, said I have to get my own home insurance. I will not refer them...