As for homeowners insurance....it is common practice for insurance companies to cancel policies after two claims (even minor claims)...it identifies you as high risk...and the result is having to find a very expensive high risk carrier.
And in some locations (or entire states) carriers have simply abandoned the market because of tort liability exposure from having to replace entire roofs with only minimal actual damage. Who do you think is paying for all those 'free roof replacement' scams heavily promoted by roofing companies?