Wow, but I'm not surprised in the least.

I had a flood a few years ago (3 years ago this October) and they covered it. In our new policy, nothing from water is covered. That means the bathroom we WERE going to claim is now now claimable. The reason we didn't claim it earlier? I was told by my insurance carrier that if we made a claim before 3 years t hat they'd make a HUGE penalty fee and possibly might drop us.

Just WHY do we pay to be covered when all they offer us is some tissue paper?