"Agents say another common technique for restricting unprofitable growth is insisting on hard-to-locate paperwork upfront. Proof that the plumbing’s been updated, say, or documentation of work done on the roof. 'It’s a way to say, we don’t want the business,'"

https://www.wsj.com/business/insurance-home-auto-rate-increases-climate-change-03b806f3

"Other states deserted by many big insurers, including Florida, are trying to tempt companies back by making it harder for policyholders to sue them. "

Yes, the old "fool consumers into thinking they have coverage" solution.

In all seriousness, since coverage is required by mortgage-lenders, when do mortgage lenders get wise to this trick?

@annmlipton If kegislation exists that makes it hard to sue a company, should you be doing business with that company?

@BritishTechGuru I mean, no, but (1) homeowners likely don't realize how much they'll get screwed if they make a claim and (2) in some of these areas, there aren't a whole lot of choices if you need insurance, like, to get a mortgage

@annmlipton Everybody should read any contract they sign. Not just a 5 minute glance through but take home, read in depth, study and take a few days over.

I have rejected contracts of employment having read them. It is possible to amend contracts carefully with a pen. If the agent does not read it then that's on him and you don't need to draw his attention to it. Having signed it though, they cannot then back out without facing liability for breach of contract.