There are a few different situations in which it would be recommended to file a claim.
Property Damage- If your home is damaged by events covered under your policy, such as fire.
Theft or Burglary- If personal property is stolen from your home, you should file a claim
Liability Incidents- If someone is injured on your property or if you damage someone else's property then you should file a claim.
Natural Disasters- If your home is affected by events such as floods or earthquakes, and you have coverage for these, file a claim.
Personal Property Damage- If your belongings are damaged due to a covered event (like a burst pipe), you can file a claim.
Loss of Use- If you can’t live in your home due to covered damage, you may file a claim for additional living expenses, such as hotel stays or temporary rentals.
When to Consider Filing?
Significant Damage- If your repair costs exceed your deductible, it is generally worth filing a claim.
Multiple Incidents- If you experience several small incidents, it may be worth filing if the total cost exceeds the deductible.
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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