November 06, 2020 by Dan Green

An insurance claim is an official request you make to an insurance company, asking to get paid for damages.

Insurance claims can be made for any reason that’s a part of your insurance policy.

When you have homeowners insurance, you can make an insurance claim after a fire in your home; after there’s been theft or vandalism; and, after damage from falling objects or broken pipes and appliances.

There is a long list of circumstances for which you can file an insurance claim.

Collectively, these circumstances are known as covered peril, and the list of covered perils is different between insurance companies.

This is why it’s important to get multiple quotes when you shop for homeowners insurance. The more protection your insurance policy provides, the better off you’ll be as a homeowner.

But, just because something’s gone wrong, that doesn’t mean you should automatically file an insurance claim. Filing claims can cause your insurance rates to rise. So, there are times when filing a claim makes sense, and other times when it’s foolish.

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