I’m adulting all by myself for the first time. My home was damaged by winds recently (some siding blew off). My deductible is 1k.
Do you get an estimate first or contact insurance first? If I contact them are they going to raise my rates regardless?
Posted by Correct-Sentence6567
3 Comments
Your premiums may and probably will be raised if you file a claim.
Definitely get an estimate first just to see if its even much more above your deductible and use it as a basis to decide if filing a claim is worth it.
Man I hate adulting. I’m 59 years old and I’m still annoyed every time someone points out I’m the grown up.
The insurance company will usually send out an estimator for you, then you can decide if you want to argue with them. Your rates could go up though, how much do you guess the repairs will be?
Always get an estimate first. Depending on the person you speak to, they may open a claim even if you don’t tell them to. Even if you don’t move forward with it, it will still show as a $0 paid claim and will have the same outcome as a paid claim