When Should I File a Homeowners Insurance Claim?

Knowing when to file a homeowners insurance claim can help you avoid increased premium costs over the long term. If the damage is less than your deductible, you definitely would not want to file a claim. Even if the damages are a few hundred dollars more than your deductible, we still would recommend paying out of pocket. Filing too many claims could jeopardize your eligibility with some insurance carriers as well as increase your premium at your renewal. Plus, claims will usually remain on your loss history report for up to 5 years.

Insurance is there to protect you from a large or catastrophic loss; not for minor issues or for wear and tear. If you have questions, give our agency a call! Our agents can help!

People Also Ask:
Is it worth making a claim on home insurance?
Is there a time limit to file a homeowners insurance claim?
What do I need to know before filing a homeowners insurance claim?

Connect with us: