For many homeowners, the best part about insurance is knowing there's a plan in place for unexpected situations. The coverage can be put to use as well by filing claims whenever necessary. If you're unsure of when to call your home insurance provider and document an issue, review the following guide.

When Not to File

Every insurance policy comes with a deductible, the amount the policyholder has to pay towards the damages before the insurance provider steps in financially. Therefore, use the value of your claim to help determine when to file. For example, if you experienced storm damage and the repairs cost around $2,500, and your deductible is $3,000, it's not the right time to file a claim. In this case, the damages were less than the deductible, leaving you responsible for covering the damages yourself.

Before filing a claim, determine whether the damage resulted from a singular event or whether it was caused by normal wear and tear. If an insurer believes that the repair or replacement is routine maintenance, they will likely deny the claim. 

Filing a claim for maintenance issues may cause your premiums to rise or prevent coverage renewal. For example, since water damage can lead to further issues like mold growth and pest infestations, it can imply that the property owner was not caring for their home properly. However, continue with the process if the damage is excessive—such as over $10,000.

When to File & How

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If it costs more than your deductible to repair your property, turn to an insurance provider for help. They can assist with severe incidents, such as trees falling on the roof or theft, as it can be challenging to afford repairs to the home or replace possessions on your own.

Before beginning the process, consider the frequency of your claims. If you haven't filed in the past three years, don't hesitate to do so when an issue arises. Spaced-out claims have a better chance of getting approved and a lower chance of spiking your premiums. 

To file a claim, call the insurance provider and give them your policy number or other identifying information. They'll ask questions about what happened, and you can provide answers to the best of your ability. Fill out the forms and submit them, either by mail or online, and wait for a response. 


If you're looking for a reliable home insurance provider, reach out to Accredited Insurance Group Inc. of Omaha, NE. This independent agency is dedicated to finding the best policies for each client based on their needs, lifestyle, and budget. In addition to home insurance, they also have 30 years of experience offering auto, renters, and business insurance policies. Visit their website to learn more about your coverage options, or call (402) 334-1780 to schedule a consultation.