claim filing decision

The Small Home Insurance Claim Math: Why Filing Minor Damage Usually Costs More Than It Pays

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Should I File Insurance Claim For Minor Damage

Filing a small claim combines a low net payout with the full rate and record penalties of a major disaster claim. A minor payout can trigger a multi-year rate surcharge, often costing you more than the repair itself. Filing for damage that falls below your deductible results in zero payout but still places a claim … Read more

Home Insurance Premiums Have Risen 48% in Five Years. What That Means When You File a Claim.

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Why Home Insurance Premiums Keep Rising

Home insurance premiums have surged by 48% over the past five years, fundamentally changing how homeowners must approach the claims process. With structural replacement costs up nearly 30% and deductibles shifting heavily toward the $5,000+ range, you are likely absorbing more upfront risk than you realize. Filing a claim today is no longer a default … Read more