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Will Filing a Homeowners Insurance Claim Impact My Rates?

Will Filing a Homeowners Insurance Claim Impact My Rates?

As a homeowner, it’s not IF you’ll find damage or something broken, it’s WHEN. There is, however, a huge difference between regular maintenance and something you should file a homeowners claim for. Filing a claim can impact your policy in several ways such as:

  • Increase in deductible

  • Rising annual premium

  • Policy cancellations

  • Or difficulty finding another carrier for coverage

If you contact your agent first, we can help you make an educated choice on filing the claim. We have a network of local and honest restoration/repair companies that can help as well. We are here for you! You may be thinking, when should I not file a claim? A couple of examples where we would suggest not filing a claim would be:

  • When there is relatively minor damage

  • When repairs would cost less than your deductible

  • When damage is a result of poor maintenance

If you’re thinking you need to file a claim, STOP! Discuss the situation with your agent first! 

Call or text: 801-825-3887
Email: info@ainsurance