When not to file a homeowners insurance claim?

Asked by: Estel Wolf  |  Last update: July 30, 2025
Score: 4.3/5 (18 votes)

When you should NOT file a home insurance claim
  1. 1: The cost to repair or replace does not exceed your deductible. ...
  2. 2: It's a maintenance issue or normal wear-and-tear. ...
  3. 3: You've filed a claim within the last three years.

What are the disadvantages of filing a homeowners insurance claim?

Even if you file a claim that results in no insurance payout, it can still negatively affect your insurance score. If that score drops, you'll probably pay higher premiums in the future. Depending on your situation, it could even make it harder to qualify for coverage.

When not to make a homeowners insurance claim?

Filing a home insurance claim isn't always the best option and should be reserved for times when repairs will cost significantly more than your deductible, your loss is covered by your policy and you haven't filed other claims in recent years.

Is it worth claiming on my home insurance?

Home insurance should only be used during catastropic accidents. Like a tree falling on your house, costing thousands and thousands of dollars in damage. If you make even a small claim, your rates can go up quite a bit. You only want to use it when absolutely necessary.

When should you not submit an insurance claim?

If the claim amount equals or is less than the deductible, there's not much sense in filing a claim. “Most car insurance policies have a deductible in place which you have to pay before their coverage kicks in,” says Ross. “If your damages are minor, you're much better off just paying out of pocket.”

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Should I file an insurance claim if I am not at fault?

Always File a Claim, Regardless of Who Was At-Fault

One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.

How do you know if you should file an insurance claim?

You should consider filing a car insurance claim whenever your out-of-pocket costs would extend past your deductible. Reminder: your deductible is the amount you'll pay out of pocket when you file certain claim types, like comprehensive or collision.

How much will my homeowners insurance go up if I file a claim?

Filing a claim increases your risk in the eyes of your insurance provider, and as your risk goes up, so do your premiums. You can expect to see a rate increase of 9% to 20% per claim, though this number varies by the type of claim and the number of claims you've filed previously.

What should you not say to homeowners insurance?

Avoid any admissions of fault or liability when talking to your adjuster. Such statements can be used to shift blame, potentially decreasing the amount you might be compensated. Instead, focus on describing the damage and the events as they happened, without inserting personal opinions about who might be at fault.

Will my homeowners insurance go up if I file a roof claim?

The truth is that filing a roof claim can indeed result in a higher insurance premium, but the extent of the increase depends on various factors. For instance, if you have filed multiple claims in the past, your insurance company may consider you a higher risk and increase your premium accordingly.

Will homeowners insurance drop you if you file a claim?

A home insurer might decide against renewing a policy if you've filed numerous insurance claims. Heller said the triggers for non-renewal in this scenario differ from insurer to insurer.

How often does the average homeowner file a claim?

Every year nearly 6% of American homeowners file some sort of insurance claim. While knowing which home insurance claims are the most common can't stop damage from happening, it can help you protect against it.

What is the most common damage to your home that insurance does not cover?

Poor maintenance or neglect

Homeowners must take reasonable steps to safeguard their property. In other words, basic maintenance and wear and tear are typically not covered by homeowners insurance.

Why not to file an insurance claim?

If the repair cost is lower than your insurance policy's deductible, it's probably not worth filing a claim. For instance, say your deductible is $1,000, but the cost of damage is $800. In that case, filing a claim wouldn't make much sense as your out-of-pocket cost is higher than the amount your insurer will cover.

Can I keep extra homeowners insurance claim money?

Any excess home insurance claim money is legally yours, provided that you did not commit insurance fraud to obtain the additional amount, or if your insurance company doesn't expect the funds to be returned.

Do insurance rates go up after a claim?

An actual claim on your insurance history communicates to insurers that you carry a higher risk for future claims. As a result, your insurer will likely put a surcharge on your policy for at least three to five years — at which point, if you've stayed claim-free, you'll likely see your rates ease up.

What not to tell a claims adjuster?

Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”

Is it bad to file a home insurance claim?

Filing a home insurance claim might make the most sense when the loss estimate is more than your deductible. Any claim, even a minor one, might lead to an increase in your home insurance premium. Having frequent or repeat claims could cause a property insurer to nonrenew your policy or view you as high-risk.

What voids homeowners insurance?

Common exclusions in even the most comprehensive homeowners policies include: earth movement, such as earthquakes; sinkholes or landslides that damage your home; water damage, such as floods or sewer back-ups that leak through a pipe or seep through the foundation causing damage to your home; damage resulting from ...

What happens if homeowners insurance pays more than repairs?

If you receive an overpayment from your insurance company, it's likely best to contact them to determine the best course of action. Using a claims payout for things other than the approved repairs may be seen as insurance fraud by your carrier.

Does a hail damage claim increase insurance?

Impact on future premiums

Filing a hail damage claim can potentially lead to increased insurance premiums in the future. While hail damage is considered a no-fault claim under the act of nature clause, some insurance companies may still raise your rates.

Should I file an insurance claim if I am at fault?

If the situation is clear-cut, or one party admits that they caused the accident, the at-fault driver's auto insurance should pay for any property damage and medical bills, and in some cases compensation for other damages, such as pain and suffering.

When should you file a homeowners claim?

If the damage is minor, you might decide you're better off paying for the repairs out of pocket. If you believe the damage will cost more than your deductible to repair, or there is a lot of damage, you may want to file a claim. If you decide to file a claim, it's important to notify your insurance company right away.

What should you not do when making an insurance claim?

While temporary repairs are a good idea, don't make permanent repairs. An insurance company may deny a claim if you make permanent repairs before the damage is inspected. If possible, determine what it will cost to repair your property before you meet with the claims adjuster.