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How and When to File a Home Insurance Claim

Insurance is there for you when you need it. It’s the umbrella, the safety net, the fail-safe. But it’s wise to consider the alternatives before actually tapping your insurance company for help: Every claim you file can raise your premium. If you file too many claims, not only can your insurance company refuse to renew your policy, but you may also have a hard time finding good coverage elsewhere.

Claims history is recorded in the insurance database CLUE (Comprehensive Loss Underwriting Exchange). Insurance companies consult CLUE to assess your and your home’s risk. Since all insurers can see your history, too many claims could get you blacklisted. You want to take care of your claims history like you take care of your credit score — both are easily accessed by the companies that you rely on for your financial well-being.

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