If insurance companies can charge me quadruple premiums for the rest of my life for a trivial "existing condition", or prevent me from insuring my home because

If insurance companies can charge me quadruple premiums for the rest of my life for a trivial "existing condition", or prevent me from insuring my home because I once filed a flood claim, I think tech companies can find a way to freeze out trolls. We just need a CLUE database for trolls.