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MsSissy
xoxoxo
Member since 3/07 39159 total posts
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Question about claims and home owners insurance
If you call in your insurance company for a claim and they come out to inspect it and determine the damage isn't covered.
Does that still show up as a claim even though nothing was paid out?
Message edited 10/12/2015 11:33:58 AM.
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Posted 10/12/15 11:33 AM  |
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skew
LIF Adult
Member since 5/05 6794 total posts
Name:
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Re: Question about claims and home owners insurance
I wouldn't think so. If you are paying then it should not appear as a filed claim.
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| Posted 10/12/15 11:56 AM |
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MsSissy
xoxoxo
Member since 3/07 39159 total posts
Name:
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Re: Question about claims and home owners insurance
Posted by skew
I wouldn't think so. If you are paying then it should not appear as a filed claim.
Thats what I assumed too. But my agent told me it would and Im wondering if this is normal.
Also if a claim does get put through does that go against the agent at all? Basically if they show a lot of claims from their clients does that look bad for him/her?
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| Posted 10/12/15 12:26 PM |
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MommaG
Yay Spring!
Member since 5/05 5133 total posts
Name:
Gloria
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Question about claims and home owners insurance
The claim will still show up as a claim with a zero payout. You did file the claim with them and that's all that "counts" as far as claims go.
If there is a next time, maybe speak with your agent first and tell them the situation and they should be able to tell you if its a covered loss or not (for the most part - there are a lot of exclusions also). That way there won't be a claim filed if its not covered.
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| Posted 10/12/15 1:45 PM |
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CSK
LIF Adolescent
Member since 9/11 892 total posts
Name:
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Re: Question about claims and home owners insurance
Posted by MommaG
The claim will still show up as a claim with a zero payout. You did file the claim with them and that's all that "counts" as far as claims go.
If there is a next time, maybe speak with your agent first and tell them the situation and they should be able to tell you if its a covered loss or not (for the most part - there are a lot of exclusions also). That way there won't be a claim filed if its not covered.
As mentioned here, it does show up as a claim. you made a claim, there was no payout. It shows up on your CLUE report. This is used in evaluating whether to give you insurance and to price it.
So basically, yes, making a claim with no payout can count against you. So talking to your agent if you trust them not to report it, is the better play to determine whether you have a real claim or not.
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| Posted 10/12/15 2:11 PM |
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JWG421
Our miracle is here
Member since 12/12 2507 total posts
Name:
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Re: Question about claims and home owners insurance
Posted by MommaG
The claim will still show up as a claim with a zero payout. You did file the claim with them and that's all that "counts" as far as claims go.
If there is a next time, maybe speak with your agent first and tell them the situation and they should be able to tell you if its a covered loss or not (for the most part - there are a lot of exclusions also). That way there won't be a claim filed if its not covered.
This Exactly!
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| Posted 10/12/15 2:22 PM |
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MsSissy
xoxoxo
Member since 3/07 39159 total posts
Name:
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Re: Question about claims and home owners insurance
Posted by CSK
Posted by MommaG
The claim will still show up as a claim with a zero payout. You did file the claim with them and that's all that "counts" as far as claims go.
If there is a next time, maybe speak with your agent first and tell them the situation and they should be able to tell you if its a covered loss or not (for the most part - there are a lot of exclusions also). That way there won't be a claim filed if its not covered.
As mentioned here, it does show up as a claim. you made a claim, there was no payout. It shows up on your CLUE report. This is used in evaluating whether to give you insurance and to price it.
So basically, yes, making a claim with no payout can count against you. So talking to your agent if you trust them not to report it, is the better play to determine whether you have a real claim or not.
Thank you so much. Very helpful.
I did explain the situation and she said it wouldnt be covered. So be careful about calling and filing because it will still show up as a claim even if nothing is paid out.
And could be used against me in the future.
I just found it odd.
Thanks again
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| Posted 10/12/15 4:39 PM |
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skew
LIF Adult
Member since 5/05 6794 total posts
Name:
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Re: Question about claims and home owners insurance
Posted by MsSissy
Posted by CSK
Posted by MommaG
The claim will still show up as a claim with a zero payout. You did file the claim with them and that's all that "counts" as far as claims go.
If there is a next time, maybe speak with your agent first and tell them the situation and they should be able to tell you if its a covered loss or not (for the most part - there are a lot of exclusions also). That way there won't be a claim filed if its not covered.
As mentioned here, it does show up as a claim. you made a claim, there was no payout. It shows up on your CLUE report. This is used in evaluating whether to give you insurance and to price it.
So basically, yes, making a claim with no payout can count against you. So talking to your agent if you trust them not to report it, is the better play to determine whether you have a real claim or not.
Thank you so much. Very helpful.
I did explain the situation and she said it wouldnt be covered. So be careful about calling and filing because it will still show up as a claim even if nothing is paid out.
And could be used against me in the future.
I just found it odd.
Thanks again
I guess they have to note for their records because they did provide an inspection and as a safeguard. To possibly hold against you though seems unfair.
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| Posted 10/13/15 9:32 AM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Question about claims and home owners insurance
Posted by MsSissy
If you call in your insurance company for a claim and they come out to inspect it and determine the damage isn't covered.
Does that still show up as a claim even though nothing was paid out?
yes its on file.
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| Posted 10/13/15 10:34 AM |
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