r/Insurance • u/jg23678 • 6d ago
Scared to file claim
I am looking at potentially having to file my third claim within 5 years. Actually within 3 years.
The first was a major power outage and I stupidly followed the advice of others and they sent me a check to replace spoiled food. I didn't really realize this was a claim or I never would have done this. (2024)
Second, my husband had someone convince him to come make a claim for new siding after hail damage. (2025)
Now, my mom flooded my bathroom and there's water coming through the first floor. I am praying this is just a few thousand and we will pay it. But if its major damage we won't have a choice but to make a claim. I am sick and just so bummed for making the other two claims.
Will we be dropped if we make another claim?
Update, it looks like the damage isn't so bad and we will pay out of pocket. So many reddit trolls here just to insult me on a seriously bad day. You don't know what you don't know.. and now I know.
I'll never be as lame as people who spend their time on reddit trying to make people feel bad.
2
u/WideAwakeFreedom 5d ago
Sadly this is the environment we live in. Claims of a few thousand honestly should try to be handled on your own. Deductibles are often $2500 on the low end, so pretty good size repair can fall under that. If it’s drywall and you can get it dry ( buy a meter), try to diy / hire handyman who’s got good drywall skills.
On major claims never be afraid to use what you pay for.