Can you really get banned for "insults/porn words in a title" on your website? Could you provide the email they sent you? That sounds so strange.
COMMENT SPAM: As stated in our program policies, AdSense publishers may not display Google ads on pages with adult or mature content. We understand that it may be challenging to monitor user-generated content on your site including comments, forum posts or compromised content. Nevertheless, to participate in AdSense you must ensure that pages containing your ad code comply with our program policies. More information about this policy can be found in our Help Center: http://support.google.com/adsense/bin/answer.py?answer=13556....
How to resolve:
If you received a notification in regard to page content, please either remove the content from your site or remove ads from the violating pages. If you received a notification in regards to the way ads are implemented on your site, please make the necessary changes to your implementation. We will automatically review the site again after 72 hours. You do not need to contact us if you make changes. Please be aware that if changes are not made within the required time frame, ad serving will be disabled to the affected website listed above.
Additionally, please be aware that the URL above is just an example and that the same violations may exist on other pages of this website or other sites that you own.
I had the same problem with another site and I was scared to get in more troubles since I had another one banned. So I just disabled google ads on it.
Fortunately, there are many different ad networks for many different publishers. Reddit is using Adzerk ... maybe they will work for you. There's also a bunch of ad networks that specialize in different areas, including porn, gambling, etc -- stuff that Google won't ever touch. You may still be able to use AdSense if you segment where the ad is shown in places where you're less likely to have negative UGC, such as non-UGC portions of your site or forum topics that are more moderated.
Any publisher can do this on their own. They can sell their own ad space at a premium, and use an ad network throughout the rest of the site -- it's called "remnant" inventory. If someone writes profanity or uploads something for that page, them switch the ads off, or use a different ad network that will tolerate that. High traffic sites frequently use multiple ad networks to maximize revenue yield.