Chosen by Asker

Andrew, Home insurance is actually very flexible. I'm not familiar with all the details of my policy, but my home insurance agent is always helpful. Try calling your agent or a agent in your town. www ... They should be able to assist you.

by Mont N

6 months ago

Asker's Rating: 

Just pay it. They could drop you for troubling them for such a small claim. Besides there is probably a minimum claim amount of $1000.

by M D- 6 months ago

WARNING: Your homeowner's insurance may not cover it, and even if it does, it may affect your rates if you file a claim. Sounds ridiculous, doesn't it? A $300.00 and some change claim causing a rate hike?!?!! You may want to talk to your insurance company first. They'll be able to tell you whether your plan covers hurricane damage, and if you press them they should be able to tell you how filing a claim will affect your rates (if at all).

by sarge927- 6 months ago

I would just pay it. homeowners insurance (or condo insurance which is the same thing) is intended to cover you in the case of a major catastrophic event. Its not there to cover $330 of repairs. In fact, you probably have a deductible of at least $500 or more, so if you file a claim you wouldn't even get anything anyway. Just pay it.

by SmartA$$- 6 months ago

Hi there! Well depending on where you are, are your insurance carrier there may or may not be coverage. Assuming that there is coverage this claim most likely falls under your deductible, my advice is to call your Agent find out if you have wind coverage (they should be able to tell you) and ask them how much that deductible is. Sometimes there is a seperate wind/hail deductible depending on your carrier. I would say most likely this will fall under your deductible, and since it is such a small claim it would be helpful to keep it off your loss history, several small claims are just as negatively impacting on your rates/discounts and one large claim, frequency is always a concern.

by nokili- 6 months ago

Unless you have "loss assessment" coverage under your policy, it won't be covered. Check your policy first, before submitting the claim. Keep in mind, the loss assessment normally only kicks in, if that loss would have been covered under your condo unit owner's policy - so if you have wind coverage, it would - and if you did NOT have wind coverage, it wouldn't. Even if you have loss assessment coverage.

by mbrcatz- 6 months ago

Some homeowners insurance companies offer a benefit for a loss assessment from a condo association and it may not have a deductible. Best advice always is you should ask your agent. That's why you pay them.

by DONALD STEVENS- 6 months ago

You can easily check your quotes in internet, for example here - homeinsurance.awardspace.us

by Bill- 5 months ago