I do not usually leave reviews I do not usually leave reviews, but I had to with this one. Yesterday we were informed that our claim was declined, and Co-op Insurance rendered our policy as VOID. This is a relatively new policy and they claimed that we failed to disclose two previous claims. We were with our previous company for a while and had two incidents where we discussed claims but did not proceed with them. On one occasion it was a telephone conversation that lasted for less than 5 minutes. We called in about a leak that caused cosmetic damage to our property. Once we were informed about the access amount, we decided to cover the cost ourselves and ended the issue. We did not think or know that it was considered a claim. As far as CO-OP is concerned this was a claim and by not disclosing this our policy is rendered invalid. This looks to me like bad customer service because our policy was good enough to collect money for but not good enough to claim from. We could have been paying funds into an invalid policy for years and not even know it!! If you do health checks for CLIAMS then consider doing the same for new policies. You were able to pull out his information quickly from what I can see. We are now faced with having no funds to replace our damaged items. We were not covered when we thought that we were. NOT IMPRESSED AT ALL with CO-OP INSURANCE. STAY AWAY!