"Not@home" wrote:

However, an insurer can just decline to renew your policy when it
expires, and as the insurance companies have not been making much money
on homeowners' insurance, some of them have elected to nonrenew policies
based on claims made. The problem is that the standards they apply in
making this decision are not in your policy, so you don't know if they
are going to nonrenew you until it happens.

Its hard to get a good answer to this question as laws vary from state
to state, and policies vary as time passes

Fortunately, in Texas, they are available on the web at the Texas Insurance
Commission site: http://www.tdi.state.tx.us/consumer/cb025.html#_TOC5
where it says:
"A company may not nonrenew your policy for weather-related claims or for claims
that were not paid or not payable under your policy"

-- Doug