Having a policy for 20 years means nothing, keep getting additional quotes to compare

Had a short term ins policy for business for almost 20 years. Claimed extremely little in that time. 5 years ago had a fire that came from a building next door, minor damage. Claim was paid (property value not a problem). Now hail damaged our roof sheeting and all of a sudden our premises increased in value by 40%. In this economy!!! 60% of the calim was paid 3 months after the incident. In the meantime we had our work premises flooded every time it rained and work was stopped. M&F responded with take the money or we close the file and you get nothing!!! I cancelled the policy and the premium still went off. Its been a month and the premium still has not been paid back after an email from them said it would be paid by the 17th. Don't trust that having a policy for so many years will mean that they will have your best interest at heart