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Letter: Canceled policy after Sandy flood

A house is inundated with flood water from

A house is inundated with flood water from superstorm Sandy in Center Moriches. (Oct. 29, 2012) Credit: AP

I'm not in a flood zone and didn't require flood insurance ["Stuck with ruined homes, owners continue to battle flood insurance program over settlements," News, April 28]. Then came superstorm Sandy, which damaged my home.

I made my claim, and I was fortunate that I had some home and auto insurance that made me whole. But, after 29 years with the same insurance company, thousands of dollars in premiums, no real claims except for Sandy -- a lot more money dished out than received -- I get a letter saying the company will not renew my homeowners policy.

The company tells me this was in the works three years ago; I'm on a three-year renewal. I don't believe it. Three years ago the company knew that Sandy was coming, and decided to cancel my insurance? I don't think so.

I understand that insurance is like a game of blackjack. We all put our chips on the table, make a bet, the cards come out and the house (the insurance company) always has the advantage. This time, the house had to pay out. Rather than continue playing, it decided to take the profits, shut the doors and run, leaving the community to fend for itself.

Mark Silverman, Oceanside