Comments on: Filing A Claim On Your Homeowner’s Insurance Will Not Increase Your Premium

By: Ckelly2516

Ckelly2516 — Mon, 06 Feb 2012 01:56:00 +0000

in oct or nov 10 we filed a claim because a pipe went under my bathroom sink adn we didnt even notice or have any problems until water started coming out of the lights over the breakfast bar in my kitchen, wegot a adjuster and got quite a bit back. now i regret that. in feb. ’12 a pipe went under my house and my basement is flooding… what do i do?

By: Cag509

Cag509 — Tue, 31 Jan 2012 22:27:00 +0000

my home insurance went from $735 to $1175 after I filed a claim.

By: Juliette

Juliette — Sat, 21 Jan 2012 07:52:00 +0000

Erik, I would need your help.
I had lots of damages with 2 storage units.
My 3 fur coats have mildew and a fine art piece broke in the box due to the freezing temperature.
My AAA insurance doesn’t accept to cover anything.
What would you suggest me?
Hope to hear from you soon.
Thanks,

By: Chris

Chris — Thu, 19 Jan 2012 19:56:00 +0000

I had the same thing happen after 20 years and my first claim a 35% surcharge increase it is a sin!!! and now I can not get insurance with anyone else

By: Chris

Chris — Thu, 19 Jan 2012 19:51:00 +0000

I am from PA and my homeowners insurance went up 35% — I have been with Allstate for 20 years and never had any claims… they told me that when ever you make a claim there is an surcharge I am pissed that they are allow to get away with such practices. I have paid premiums for years and the little money they paid on the claim is a slap in the face not to meantime how much of a fight it was to even receive a payment. Something needs to be done to stop such nonsense.

By: BillyBoy123

BillyBoy123 — Fri, 13 Jan 2012 02:33:00 +0000

This guy is not totally accurate with his comments. Most home owners carriers will raise your premium by about 20% of the dwelling portion after the 1st claim then if you have a second claim with a 3 year period from the 1st claim they will drop you. The severity of the claim is not really the issue as much as the number of claims. Water claims are the most common so the timing of the second claim is key.

By: Lyndiloo1

Lyndiloo1 — Fri, 06 Jan 2012 18:31:00 +0000

In the recent high winds, ridge tiles blew off our home and caused substantial damage to our car parked below. Our home insurers say we have to make a claim on our car insurace policy…thus having to pay two lots of excess (home insurance paying for repairs to the roof only) and losing two years no clims bonuson ou car insurance! If however they had hit the vehicle belonging to a third party, they would pay up. This seems to me to be wrong. Any thoughts?
Lyndiloo

By: Lyndiloo1

Lyndiloo1 — Fri, 06 Jan 2012 18:31:00 +0000

By: Pgreeson

Pgreeson — Thu, 01 Dec 2011 16:52:00 +0000

You need to get a security system — it will more than pay for itself! Also, as soon as you have it installed you can submit your invoice to your insurance company and you are supposed to receive a discount — reduction in your premium — for having a security system. Most people don’t even know this and have security systems and have not informed their insurance companies —Good luck!

By: Nricha3487

Nricha3487 — Fri, 28 Oct 2011 12:07:00 +0000

The idea that home owners insurance does not increase because of a claim is rediculous. That it is against the law is false. I have researched the law in Maryland and there is nothing to prevent a company from tacking on a “surcharge” of a certain percentage of your total premium for three years after you file a claim. There is a system that contains all claim that you file that are available to any prospective insurance companies so that they, too consider the claim(s) when determining a premium for your property. Some companies look at any claims filed within the prior 5 year period. There should be laws that prevent these practices, but there aren’t.

By: Betsy Mitchell

Betsy Mitchell — Thu, 27 Oct 2011 21:27:00 +0000

Great article. Many homeowners are very misinformed when it comes to their insurance and premiums. Your rates are going to increase depending on the area and many other factors not just because you made a claim! It is illegal for them to raise your premium for you making a claim.

By: Xxnikkisixx3

Xxnikkisixx3 — Sun, 16 Oct 2011 14:05:00 +0000

Thats bs because my insurance raise 300 after I had a roof claim

By: Johhn Yee

Johhn Yee — Sat, 24 Sep 2011 13:27:00 +0000

Bad example Erik. Contractors & supplies never depreciate. Therefore, the price of replacing or repairing any part of home is going up.

By: Johhn Yee

Johhn Yee — Sat, 24 Sep 2011 13:27:00 +0000

Bad example Erik. Contractors & supplies never depreciate. Therefore, the price of replacing or repairing any part of home is going up.

By: Jemma

Jemma — Tue, 06 Sep 2011 02:59:00 +0000

Interesting how you completely disregarded the many statements and questions on the legitimacy of who you are and the many many many responses of how wrong you are. Unfortunately for you, any readers of this article are also reading how stupid you are- and since you failed to address any of the really valid questions people had such as – What are you? An adjuster? A guy who likes to write like he’s an expert when he’s clearly putting out inaccurate info? That’s what people are going to have as the takeaway here.

By: Info

Info — Tue, 30 Aug 2011 13:55:00 +0000

Can you sue the manucfactuer of the faulty transformer for causing you to become uninsurable or high risk, when the damages were caused by the faulty product and
not by the innocent, unknowing, homeowner?

By: William smith

William smith — Sun, 14 Aug 2011 15:24:00 +0000

i had a house fire in 2003 everything they said they would fix is falling apart floors have been replaced with fiber board its a mess from start to finish.what?do i do?sincerly wm smith william4377@att.net

By: Dan Lander

Dan Lander — Tue, 26 Jul 2011 03:29:00 +0000

my insurance company dropped my coverage when I tried to make a claim and did not because it was manitenace. No claim was even filed and I was dropped, furthermore the next company i tried to get home owners ins. would not cover me because i had made 1 claim, ( that never even was filed or addressed). Sounds like freud and they are in on it.

By: Ben S

Ben S — Tue, 05 Jul 2011 19:32:00 +0000

Erik Are you a Public Adjuster? what services do you provide

By: BenDirect1

BenDirect1 — Tue, 05 Jul 2011 19:29:00 +0000

get a public adjuster you are entitled to the monies for the repair and should never incur out of pocket expense for a covered loss or peril