Before making a claim, you should call your insurance agent.
Being a homeowner, you know there are things that may breakdown or get damaged. There is a difference between regular maintenance and needing to file a homeowners insurance claim. Filing a homeowners claim can negatively affect you and may even lead to a non-renewal of your insurance policy.
There are some possible consequences for filing unnecessary or multiple claims:
- The rise of your premium
- Your policy could be cancelled
- Having multiple claims could be difficult to find coverage with another insurance company
We suggest reaching out to your agent first, so they can provide you with the knowledge and resources to ensure you are making the right choice. As your local independent insurance agency, our team works for you, not the insurance company.
R.C. Keller & Company suggests in the following situations that it will be in your best interest not to file a claim:
- The repairs cost less than your deducible
- The damage is relatively minor
- The claim was caused by poor maintenance on the homeowner’s part
We thank you for the opportunity to serve and protect you, your loved ones and everything you have worked hard for. Give us a call at 847-907-4520, to let us know what more we can do for you.
