I think my homeowners insurance is discrimmination because of my zipcode?

they discouraged me from opening a claim when I call because a pipe busted under my home, the basically threatened me by telling me that I would lose my %15 per cent discount for the next 5 years, I have never filed a claim I have been with them for 11 years, under my house if flooded with water, andI think my floor inside the home has been damaged