Insurance Companies Commiting Fraud

Insurance Companies are changing your policy with out your knowledge!!! Example you have Farmers Insurance, you have been with them for 10 or 20 years. You have a $500 Deductible right? Wrong they sent you your new policy, and with it "NEW GENERATION POLICY" Changed your Roof Deductible with out calling you!!! Your new deductible is 1% or 2% which equalls $300K home $6000.00 Deductible!!! Well with them raising your deductible, they are also raising your rates!!! Welcome to the new generation INSURANCE FRAUD POLICY... Do you think that your Agent/Sales Person should call you, Prior to making changes on your Policy? Or do you think you should have the right to lower your insurance cost and pay less? Just assume its ok to pay less for your policy???