Geez, after this summer's hailstorm and the $10,000 claim for the new roof, then the water leak that required jack hammering the kitchen floor and replacing floor covering in 5 rooms, and now the deer........my insurance agent is gonna quit taking my calls!!
He's still making a profit, don't lose any sleep over it....unless he's a friend and he's still making a profit from it...
I've been paying car insurance and homeowners/renters insurance for 35 years. Figure 1000 bucks annually so 35,000 minus the 1200 dollar claim from 14 years ago = PROFIT.....
I had an agent boost my rates nearly 30% after hurricane Andrew. When I finally got her to admit that Allstate took heavy loses in S. FL and they had to recoop them somewhere, I said "While I sypathize with those folks, this is CT, you're fired!"