[DAVID GAGNARD]

Not familiar with Pa. insurance rules, I can only tell you what we have in Louisana, and I'm sure states vary quite a bit from state to state........In Louisana, one claim will not cause any problems, you must have multiple claims, as in 3 to 5 within a calendar year to be dropped and if there are homeowner claims and considered "an act of God", that basically doesn't count against you either........
They also look at your "loss ratio", which generally goes back for 48 months, it's the amount you have paid in all premiums vs. the amount you have collected in losses in the last 48 months. right now, mine is probably 5% or less, I've seen many as high as 300% and a few as high as 1500%!!!!!!!!!!!!!!!!!!!!!!!!

I'm very familiar with "Fair Plan" policies and they are basic dewelling coverage policies, no liablity coverage like a regular homeowner policy, but better than nothing...this is what I have on my camp.....very inexpensive compared to a homeowners policy.....

Hope you get this sorted out and taken care of...........

David