FELLOW HUMAN , I HAVE AN INQUIRY . HOW DO YOU NAVIGATE ROUGH TERRAIN WITHOUT THE USE OF YOUR LEGS ? DO YOU REMOVE THE ACCESSORY WHEELS PRIOR TO ENTRY IN SUCH A DOMAIN ? PLEASE PROVIDE INFORMATION FOR ME TO PROCESS . <| sep |> No , just the DLC and expansion that have already been released . Note that some of the planned future DLC will be free . <| sep |> I rarely see this happen with my 10 carriers when it comes to home . Yes it will show up on a clue report but so does road side assistance , I have seen people with 8 road side claims inside a policy period and the insurer just take away their roadside . I never seen this held against someone if it just a one time zero claim . If there is a pattern then yes it flags underwriting as the person is trying to get paid ! Honestly most of our companys have service centers so that takes us out of advising on a claim . I seen people with multiple large claims not get dropped . The will raise their rate and deductibles . By no way you have to give up first born . You can always shop . Also credit and type of home multiple polices . etc factors in . If a elder person calls in about their AC being broken they are not going to penalize them . If you have a policy with lets say Chubb , they might cover it . not affiliated with them