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  • Writer's pictureCharlotte Burr

When is the right time to file a Homeowners Insurance Claim?

Updated: Jun 5

Filing a homeowners insurance claim should be done strategically as it has many consequences. Below is a comprehensive guide not only for first time home owners, but also those who may not know the ins and outs of when you should file a home insurance claim and when you should not.

When you should file a claim:

  • When the estimated cost of repair is way above your deductible

  • When the damage is covered by your type of policy (Water Damage, Wind and Hail, Fire)

  • If you have a specific endorsement (special type of coverage like Jewelry Coverage)

  • If it falls under Personal Liability (someone injured in your household)

When you should NOT file a claim:

  • The damage is less than your deductible

  • Your policy does not cover the type of damage (Intentional Damage, Auto, Termites and Insect Damage)

  • Damages that are normal wear and tear (Results of Neglect and Poor Maintenance)

  • If you have multiple previous claims in the last few years (this could cause your insurance company to not renew your policy)

Important thing to keep in mind: Filing a home claim does not come without consequences even when your claim is denied. If your claim is denied, you have the possibility of having your premium raised just for filing a claim. That is why it is important to know when to file a homeowners claim and when not to.

When filing a home claim, the homeowner must weigh the severity of the damages and cost of repairs in comparison to the potential impact on your future premiums. After carefully considering on these factors, they can make an informed decision that not only protects their home but also their financial future.

For any more questions regarding filing a home claim, contact us at the AZ Insurance Team!

Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy.


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