Some homeowners file claims for small damages to their homes and then wonder why their insurance premiums go up. It is often better to pay for minor repairs out of your pocket, instead of filing a claim. Insurance underwriters take your claims history into account when you renew your insurance and the price tends to go up when this happens..
Conversely, don’t overlook a claim when it’s warranted. Contact your independent insurance agent and discuss the damage. Your independent agent should provide the professional advice that you need, so that you can decide whether a claim is the best idea in your situation.