Yes, The insurance company will generally have underwriting guidelines for every policy coverage line they offer. If Galvanized pipes do not fit the underwriting guide then your home simply does not or no longer qualifies for that particular insurance program.
Galvanized water pipes are no longer used in home construction. Older homes that were built in times when galvanized pipes were considered acceptable, should be updated to ensure that your home qualifies for future coverage offerings.
Occasional home updates are considered part of the homeowners usual and expected maintenance routine.
Insurance companies can non-renew policies due to number of claims, type of claims, or change in risk. They especially do not like broken waterpipes, theft/vandalism and fire. They are not supposed to cancel policies due to weather-related events (acts of nature) over which you have no control.
oxidizing is the gain or loss of an oxygen molecule. for example if you have an older plumbing system with galvanized iron pipes, your pipes are probably beginning to become rusty which is the galvanized iron pipe oxidizing. in copper pipeing oxidizing is much less trouble and costly. oxzidation of copper pipes is the discoloration of the exterior of the pipe.
Sorry but this is not a covered cause. It is more like maintenance. I remember a big issue with contractors using galvanized pipes going through concrete slab foundations. The chemicals in cement tends to dissolve galvanized pipe and if I remember correctly the contractors had to make payment on the damages. Homeowners insurance covers sudden and accidental damages that happened due to a covered cause such as fire, windstorm, vandalism, etc.
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