When Should You File a Home Insurance Claim?

Deciding on when to file a home insurance claim in Huntington, TX can be tricky business. Sometimes claims on your insurance can cause premiums to go up and filing a claim isn’t always in your best interest.

Don’t file a claim if the repair you want to be covered won’t exceed your deductible. For example, if you have a $1,000 deductible and someone breaks into your house and takes your iPad, it will cost less to replace your iPad then it would for you to pay the deductible. If you go through insurance you will have a theft claim on your report and you didn’t even save any money. Pay for the repairs on your own if the cost of the repairs is relativity minor compared to your deductible. For example, if your repair or claim is going to only cost a few hundred dollars more than your deductible, you are better off not filing a claim and paying out of pocket. If you have filed claims in recent years, be careful about filing new ones. The number of claims you file can negatively impact rates. Think about the costs of the claim in this instance as well. If the claim is related to a maintenance issue you should have fixed earlier, such as replacing a rotting fence or repairing a damaged roof, you should think twice. If the claim is related to an event your insurance company doesn’t cover, then not only will you not get money, but you will also have a claim on your record for no reason.

If you aren’t sure if you should file a claim or if something is covered, ask your agent at Integra Insurance Services and contact a contractor to see what the costs of repairs will be.

Of course, you should file a claim if the event in Huntington, TX is covered by your insurance and the amount of repairs exceeds the deductible. If you haven’t filed a claim in years, you shouldn’t be penalized for using insurance the way it’s supposed to be used.

Contact Integra Insurance Services to receive a quote on homeowners insurance.