We (we are insurance brokers and financial advisers) have noticed quite an aggressive stance by property insurers of late in relation to renewals after claims. A lot of insurers have seemed to lose their flexibility when presented with scenarios like yours. The advice is shop around. We deal with a number of insurers what will quote after a claim, so it really does boil down to each insurers appetite. A number of insurers seem to be happy to lose the business after there has been any claim in the last number of years.