Allstate /Castle Key Insurance underwriters review: homeowners insurance renewal

Our current home has been with Allstate /Castle Key since we bought it in 1997. I have been using Allstate since I returned from Vietnam in 1974. Now the underwriters won't renew because house doesn't have gutters and rainwater could pool around foundation. BS! Built in 1950, house is block, hip roof(new 50yrshingles), 2ft roof overhang. Never had gutters over open ground or standing water, even w/10in rain in May. Only gutters were over cement at doorways and diverted to rain barrels.

Allstate isn't the problem, it's the fn underwriters