Tower Hill insurance has a policy that if you file one single water damage claim back in 2009 (told by the underwriter it could be 100 years ago) they have a policy that they will non-renew coverage and will deny coverage for the rest of your life!!! this is what happened to me. upon calling the state’s department of financial services, They indicate, while immoral, it is apparently not illegal for them to do this…. You have been warned!!! BEWARE!!!