As a homeowner, it can be tough to decide when you need to file a homeowner’s insurance claim–and when it makes more sense to try to complete a repair on your own. At Insurance Warehouses of America, serving the Orlando, FL metroplex, our team is here to help you keep your home in great shape. Here, we’ll take a look at a few things you need to consider when deciding whether you should file a homeowner’s insurance claim.
Three Considerations For Home Insurance Claims
Consider your deductible.
If the estimated price of your repair is more than your deductible, it’s likely that it makes sense to file a homeowner’s insurance claim. If the difference between your cost and your deductible is negligible, you may want to consider paying for the cost yourself in an effort to keep your insurance rates low.
Consider the nature of the loss.
If your loss is catastrophic (caused by a fire, natural disaster, or other issue that causes an unusually high level of damage), it usually makes sense to file a homeowner’s insurance claim.
Talk with your insurance agent.
Discussing the nature of your potential claim with your agent doesn’t mean that you have to file, and they may be able to give you advice on whether it makes sense to file a claim.
Schedule A Consultation Today
At Insurance Warehouses of America, we’re proud to serve Orlando, FL residents with a wide variety of insurance products. Reach out to us today to learn how we can provide you with the products necessary to support all of your insurance needs.