No shit. What&#x27;s the point of buying insurance then? I had septic tank back flow into my basement due to a design defect that was put in PRIOR to my purchase of the house.<p>Insurance paid up then dropped me. Second insurance doubled the premium stating I&#x27;m a high risk. I was like WTF? This was a design defect that has been fixed. It&#x27;s not like I&#x27;m a slob and let the house fall apart. It&#x27;s a relatively new house.<p>What&#x27;s even dumber is the &#x27;claim&#x27; followed me to two more houses over the next eight years. WHY? It&#x27;s not like I have a magic wand and caused the pipes to bend and cause another back flow. I argued with the current insurance company as high as I could until they agreed to reduce the premium to a level I&#x27;m comfortable with.<p>It sucks.