I suppose that "he who cries wolf" every time it clouds up would eventual cause a review by a carrier. That certainly is understandable and is known. But there should be no doubt in a policy holder's mind to file a claim if there is any evidence of damage, as I had stated.

A carrier cannot jack with your policy because you file a claim based on legitimate concern. There are legal ways to deal with that should it occur, however I have never seen it happen in 20 years of dealing with catastrophic claims. Let's keep in mind here we are talking about catastrophic damage, and not a claim for something that could have been prevented with proper maintenance. Catastrophic claims follow a geographical area where known damage has occurred. Filing a claim in such circumstances is not damaging to you in any way. You pay premiums to protect your property. The insurance company works for you. There is no "penalty" for putting them to work.