An insurance company cannot drop you in the middle of a claim. The state department of insurance sets standards for how long it takes for the insurance company to respond to a claim, and to issue payment once damage is verified. If they have stopped contact with you and have not given you a reason I would contact your state department of insurance and file a complaint.
Yes, the insurance company will pay, but they might drop you when they finish processing the claim.
They should not drop you before a claim is settled. If they have contact your state department of insurance and file a complaint.
Once you submit an auto insurance claim can your provider deny it?
No, Your homeowners insurance will cover losses due to an "Act of Nature" if you have an extended coverage policy. For a claim caused by an "Act of God" you'll have to rely on prayer.
Unless you present a fraudulent claim, it is illegal for any Insurance co to drop you because you file a claim.
No, it is not illegal for a homeowners insurance company to drop you. But they have to follow the rules for cancellations and non-renewals for the state they are operating in. For example, in Louisiana, if you have been with your homeowners insurance company for 3 years, they can't drop you. In Florida your homeowners insurance company can drop or cancel you but they must meet the minimum notification timeframes.
Yes and no. Insurance companies do not raise your rate because you filed a claim (this only applies to "Act of God" claims). Any claim related to weather like hail, wind, flood, tornado, etc. It's called a pooling effect, so if X# of people file a claim in your area everyone's rates go up whether you file a claim or not. Insurance companies do not raise your rate just because you filed a claim. Now, they can drop you for any reason they want, but are not likely to drop you because of an Act of God claim. If they drop you because you filed an Act of God claim, then you should definitely find a new insurance company.
You will just have to contact your insurance company and ask them. Some companies will drop your policy while others will not.
It depends. Usually an insurance company will drop you if they find out that some kind of fraud is incolved in a certain claim. However, they can drop you because of claim history, or too many accidents within a certain time frame. In essence, if they feel it would cost them more to insure you than you would pay them in premiums, they can drop you. However, they must have good and valid reasons to drop you in accordance to state insurance laws.
Yes, failure to properly maintain ones home could represent a moral hazard
All insurance companies are different with their own set of rules in regard to when you are more of liability and they decide to drop you. Check with your own insurance company for a more specific answer.