Should I turn in an insurance claim on my home?

/ Hooper Insurance LLC/
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The majority of Americans pay for an insurance policy each year in case “something“ happens such as a fire, tornado, water leak, or hail storm. When the time comes, and that “something“ does happen, how do you know it will be covered on your policy? You probably won’t and that’s when you call your agent.

Why call us first and not the insurance company?

Here at Hooper Insurance we always advise our clients to contact our office first to speak to an agent. We gather details and then advise you on your options before turning in the claim. In some cases, when there is uncertainty, we will reach out to the insurance company directly on your behalf to find out if there is coverage. Depending on the situation we may advise having someone you trust (a licensed/insured professional) come out to provide an explanation of the cause as well as an estimate to repair the damages. Knowing the cause and cost to repair are two very important factors in determining if a claim should be filed. If the cost of repairs are under your deductible or the cause of the damage is not a covered peril the claim should NOT be filed.

A lot of times if you call the insurance company directly about a claim they will automatically turn one in. This can be problematic for a few reasons. If a claim is filed and it is declined it will show as a zero ($0) paid claim. Even though there was no payment on the claim it can still negatively impact your renewal premium. If you decide to change insurance companies on your renewal the $0 paid claim will show up with the new company as well. It can also negatively impact your premium there as well. For this reason, we always advise our clients to contact us first.

5 Reasons Why You Should Call Your Insurance Agent Before Turning in a Homeowners Claim

  1. Determine if your policy will cover the damage.

  2. Find out your deductible.

  3. Inquire how the claim may affect your renewal premium.

  4. Ask about good companies to repair/replace/remediate the damage.

  5. Find out what the next steps will be if a claim is filed.