What notification must a property and casualty insurance company give in order to unilaterally change the terms of insurance?

Question Details:

Homeowners insurance policy was originally written with a $500 deductible on all perils. A couple years later, they changed it to $500 all perils except wind and hail, with 2% on the latter. Notification was supposedly provided by e-mail, but they conveniently had the wrong email address. When asked for copies of all the dec sheets, they instead sent a blanket explanation why the deductible was so much higher for wind and hail, and provided a contact to revert policy to original terms at an increased premium. Still no dec sheets.

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