Preventing home insurers from canceling policy for isolated event

SB 452 prohibits West Virginia homeowners' insurance companies from canceling or refusing to renew policies solely because a homeowner filed a claim for an isolated incident (such as a single storm damage event). This directly affects homeowners who file claims for one-time, unusual events, preventing insurers from using those claims as grounds for cancellation. The bill amends West Virginia Code §33-6-37 to explicitly state that "no homeowner's policy... may be canceled or denied renewal as a result of filing a claim for an isolated incident." It does not prevent cancellations for other reasons, such as non-payment or repeated claims.