Have you experienced being dropped by your insurer? That is really sad. Ever wonder how long after you’ve been dropped can you get back to paying lower rates? Read the report from Kiplinger.com .

In a study by the California Insurance Department, 25% of the companies surveyed had refused to renew the policies for customers who made one or two non-water-damage claims in the preceding three years; 32% refused to renew policies of customers who had made one or two water-related claims. Among the 13 biggest companies, 62% turned down new applicants who had filed one or two claims in the previous three years.