Question
Home Insurance Rates?
If under Erie insurance I file a claim for my roof due to storm damage and the claim is denied and not paid; I understand that a claim mark would be posted against me but why would it cause my insurance rates to double when no money exchanged hands. Did Erie enter the claim incorrectly into the Claim/Loss database? Is this a common tactic of Erie or other insurance companies? Am I not allowed to ask questions, get help in finding out if we are damaged without paying through the nose? Also, how long does this claim mark stand against my rates? I did hire a roofer and he completed a report including pics that showed damage. I filed the claim b/c our area had two major hail storms in April/May. I thought after I hired the roofer, had a report prepared and followed up with a claim through my broker that there would be no problems. Unfortunately this is how I am being dealt with. Run from Erie run. They have awesome rates but substandard customer service and love to jack rates over any little thing they find. I wonder what they would charge Jesus?
2 months ago - 3 answers
Best Answer
Chosen by Asker
You can easily check your quotes in internet, for example here - homeinsurance.awardspace.us
by Miles
2 months ago
Asker's Rating: 
Other Answers
I love Erie. Once you file that claim, even though it's not paid it will still knock out the "no loss" discount. Erie puts in a substantial no loss discount. This is a standard practice in the homeonwers insurance industry. You should probably run the claim past your agent, for a "hypothetical" situation and some advice, before actually filing the claim. If your agent refused to answer the question, it's time to switch to another agent. You don't "get help finding out if you have damage or not" by filing an insurance claim. You'd have to hire a roofer to go take a look at that roof, not file a claim just to have the adjuster see if you have a claim or not. Sheesh. Depending on which state you are actually in, that claim will likely stop hurting you after three policy years - assuming you don't file any more claims in the meanwhile.
by mbrcatz- 2 months ago
This is one of a few things that irritate me in the industry: getting penalized for asking a question (and not putting the claim in). This is another reason to deal with a broker. A good broker will answer your question without penalty
by Ontario Insurance Broker- 2 months ago