Companies which offer homeowner policy would send a notice to the policy holder after paying second claim,saying one more claim,and the policy will be cancelled.
They figure either you live in a high risk area,or you or your property is high risk,like you are not taking good care of your property or the house is too old,not well constructed or poorly located.
A good example would be mildew ,homeowner does not take care of the problem,either they are not aware or they wait too long or they hire incompetent repair men to fix the problem and then it becomes a big problem,too costly to absorb the cost.
I know after hurricane,some insurance companies would only reimburse you if the work is done by licensed worker,or you have to show the receipts how they are repaired or submit invoice detailing work to be done asking for approval.
Some homeowners are known to keep the money and wait for crisis over to get a cheaper deal or do it themselves or not do it at all !
