No Take Backs

If anything happens in or to your home, it’s instinct to want to call your insurance carrier right away and put in a claim.  Unless your house is on fire or you've just come home to a fully flooded home, STOP!  You should always reach out to us (your agent) first!  This is important for several reasons. For one, we have an in-depth understanding of the policy coverage, allowing us to provide guidance on whether their specific issue is covered.

Most importantly, many insurance carriers are becoming increasingly strict when it comes to accepting new clients with any claim history. By consulting with us first, you can make informed decisions that may protect your future coverage. Considering your particular circumstance, we can offer insightful guidance on whether making a claim is in your best interest.

Ideally, you should reserve your insurance for emergencies only. Before filing a claim, consider obtaining quotes to repair the damage. Sometimes, the cost of repairs may be less than the potential consequences of having claim history, which could lead to future coverage cancellation or denial.

Even seeking advice from your insurance carrier by making a simple inquiry about a potential claim can have consequences. Every interaction with the carrier is noted, and this information could work against you in the future.
​
Therefore, it's essential to weigh your options carefully and consult with us before contacting your insurance carrier. We can offer professional advice on the best course of action, assisting you in making decisions that will ultimately safeguard your coverage and financial security.