When Should and Shouldn't I File an Insurance Claim?

Life is full of accidents just waiting to happen. And when they cause property damage, it can be challenging to decide whether you should file an insurance claim.
 
You try to avoid being labeled as a constant claimer by your insurance provider, but you also pay a substantial monthly premium hoping your insurance will financially shield you from accidental damages.
 
It can be complex to determine how best to proceed in the event of property damage, and it’s important to comprehensively evaluate the situation and consider the following:

• The deductible you are responsible for paying before insurance pays for any repairs
• The amount of damage you have
• Whether you should consult an insurance adjuster for professional advice

 
So, should you file a claim with your insurance provider or not?

When You Should and Shouldn’t File an Insurance Claim

Determining whether to file an insurance claim for property damage can be challenging. While the purpose of having insurance is to help you pay for the costs of extensive property damages, some question whether filing a claim can result in your premium increasing whether your claim is covered or denied. However, that should not necessarily deter you from filing a claim with your insurance provider.
 
Here are a few pointers to help you determine when it is and is not in your best interest to file an insurance claim for property damage.
 
When it comes to filing an insurance claim for damages to your residential or commercial property,  the property damage is generally a result of natural causes and sometimes old (or damaged) structural materials such as your roof shingles, leaking pipes, etc.

When You Should File a Claim

Ideally, you should file a claim with your property’s insurance company when you have significant damage to your property, such as a damage to your roof causing interior damage to your property. Also, a broken pipe or a leak from your HVAC system can cause a lot of damage to the interior of your property as well.

When You Shouldn’t File a Claim

You should not file a claim if the property damage is minor or superficial. If you are still unsure whether it makes sense to file a claim or not, you can always calculate the cost of repairs. And if the repairs cost less than what you would pay for your deductible (or if it is only a few hundred dollars over), then you should try to avoid filing a claim.
 
Consult with a public insurance adjuster, like our team at Reliant Insurance Adjusters, and we can help you assess how much damage your property has incurred.

​Should or Shouldn't You File an Insurance Claim?

It can be exhausting and even time-consuming to determine whether you should file an insurance claim. Determining the extent and cost of property damage is a key factor as to whether you should file an insurance claim.
 
At Reliant Insurance Adjusters, we can assess the damage and help you determine whether filing an insurance claim is truly in your best interest. We are dedicated to providing the professionalism, experience and knowledge to help get you the highest possible settlement for your claim.
 
Settling insurance claims is now, more than ever, a complicated and confusing process. Allow us to give your claim our personal attention and share our expertise, and you will see the difference we can make. Contact us today to see how we can help.