The Claim Frequency That Spikes Right Before Non-Renewal

12 non-renewing policyholders filed just 1 claim across the first 10 months of their policy, then suddenly filed 5 more in the final 2 months before lapsing — a rolling monthly claim rate spike far above their own baseline right before leaving. 8 more non-renewing policyholders show the exact same late-period spike, but every one of those late claims is tied to a documented regional flood event.