Insurance is designed to protect you from major financial losses—not necessarily every repair bill. Before filing a claim, consider these important factors and speak with your agent first.

• Determine if the Damage Exceeds Your Deductible
  Many claims end up paying little or nothing because the damage is close to or below the deductible.
• Claims History Matters
  Even inquiries and small claims can affect future underwriting decisions with some carriers.
• A Denied Claim Is Still a Claim
  Many consumers don't realize that a denied claim may still appear on their claims history.
• Avoid Turning a Maintenance Issue Into a Claim
  Insurance covers sudden and accidental losses—not wear and tear, deterioration, neglect, or maintenance issues.
• Get an Honest Cost-Benefit Analysis
  Your agent can help determine whether filing a claim makes financial sense.
• Multiple Claims Can Lead to Higher Rates
  Several claims within a short period can impact premiums and carrier eligibility.
• Some Carriers May Non-Renew After Excessive Claims
  Too many claims can limit your future insurance options.
• Preserve Claims-Free Discounts
  Many policies include discounts that can be lost after a claim.
• Understand Coverage Before Reporting
  Not every loss is covered. Understanding coverage beforehand can prevent surprises.
• Prevent Further Damage Immediately
  Most policies require policyholders to take reasonable steps to protect property after a loss.
• Document Everything
  Take photos, videos, and notes before cleanup or repairs begin.
• Don't Throw Away Damaged Property
  Adjusters may need to inspect damaged items.
• Get Repair Estimates
  Knowing the likely repair cost helps determine whether filing a claim is worthwhile.
• Be Careful With Contractors Who Promise "Free Roofs"
  No contractor can guarantee claim approval. Always verify damage independently.
• Let Your Agent Help You Navigate the Process
  A good agent can explain deductibles, coverage, claim implications, and next steps before you make a permanent decision.

Water Damage

• Shut off the water source immediately.
• Begin drying affected areas quickly.
• Save receipts for mitigation expenses.

Roof Claims

• Take photos before temporary repairs.
• Keep damaged shingles if possible.
• Be wary of storm chasers and door-knocking contractors.

Auto Claims

• Take photos from multiple angles.
• Obtain witness information.
• Never admit fault at the scene.

Liability Claims

• Do not discuss fault publicly or on social media.
• Forward legal papers immediately.
• Contact your agent as soon as possible.

Theft Claims

• File a police report promptly.
• Create an inventory of stolen items.
• Gather receipts, photos, or proof of ownership.

The Call Shaul Rule

Before filing a claim, ask yourself:

• Is the damage significantly above my deductible?
• Is this a sudden and accidental loss?
• Would I file this claim if I knew my premiums might increase?
• Have I spoken with my agent first?

If you're not sure, don't guess.

• / 972-369-9328
• callshaul@outlook.com

One call, text or email could save you thousands in future premiums and help you avoid filing a claim that provides little or no benefit.