I'm an independent in MO and had a similar situation with a client-they had a hail claim and water damage claim within 3 years. All premium options were dramatically increased even with high deductible and conservative coverages....I have two captive colleagues that have Nationwide and Farmers agencies......Farmers turned out to be the most desirable in this situation. But as soon as those claims fall off we'll look at markets again. Unfortunately, it's a huge red flag for insurers to see claims; like Dan said, insurers are incurring more losses with homeowners insurance, so their apprehension is reflected with high premiums.