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stacey h | How can you tell how much your homeowner's ins. will go up if you make a claim? |
I have a great deal of water damage under my house due to unknown plumbing leak. I am not able to cover the costs myself and was advised to turn it in on my ins. Will the adjuster be able to tell me how much my premiums will increase or is it a wait and see game? |
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cassee_ame
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A word of caution with regard to your claim. Your insurance will pay for water damage only if the release of water was sudden and accidental. It sounds to me like this may be a slow, long-term leak issue. If that's the case, notifying your insurance comapny will result in their requiring that repairs be made before your next renewal and should the repairs not be made they may non-renew your policy. If I'm wrong, and this was a recent sudden/accidental release of water, turn in the claim and let your insurer pay for it.
Water damage is a serious issue - the real issues are rot and mold. Insurance companies don't like either one. You need to get the problem taken care of ASAP!
Your adjuster will not be able to tell you what the premium increase could be. Ignore the folks who tell you it'll be 12% or some other random number; that isn't the way insurance works any more. For most companies, there are many different factors that play into your insurance premiums. Most likely, you'll see a moderate increase but the actual dollar amount would be almost impossible to calculate.
Best of luck! |
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ddurkee75
 |
The loss is probably not covered as it is not sudden and accidental.
If you file the claim, you will lose your claim free discount (provided you already have it), regardless of whether your claim is covered or not. You may also get a claim surcharge. Most companies have higher surcharges for water claims than they would a wind claim.
Your adjuster probably doesnt know a thing about your premium. Your best bet is to talk to your agent about your situation before you decide to file. |
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ZURDITA
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A wait and see game.... If you have insurance to cover water damage, then USE IT.... Why would you purchase it in the first place? So what if it goes up... you can't control the price anyway..... |
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bearmeister34
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Homeowner policies are not subject to rate increases like an auto policy. If there are an increased number of claims in your geographical area, then the rates may increase for everyone in that area, but you will not see an increase, for filing a claim.
The average for homeowner claims is about 1 every 8 years. Certain areas have higher Numbers and some have lower. The rates for each area stand on their own merits.
Contractually, you are required to report any damages to your property. So, go ahead and file the claim and see if there will be any coverage for it. As some have already noted, this may not be a covered loss, as the damages need to be sudden and accidental. But, this also depends on what state you are in and what type of policy you have. |
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porkchophaynes0206
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If youve had a history of claims be ready for a small hit.Approx12%!If its been over 6yrs you shouldnt see any raise. |
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jramirez
 |
Once you contact the claims department, it becomes an active claim. It is up to the insurance company to file it or not.
First contact your agent and ask what your deductible is.
Then get an appraisal from a blumber or contractor on the job as you will need this anyway.
Last but not least, figure out wether to call it in or not. But either way fix it as it will get worse and cause other problems the insurance company will not pay if they find out you knew about the water damage. |
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Loollea
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homeowner policies are not rated up for claims like auto policies are, if you have too many claims under a homeowner policy then the company will cancel you |
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mbrcatz
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The adjuster has NO CLUE about rates and rating trends. Your agent is the person to ask about this.
I would definately turn in this claim. |
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