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.
10
u/TaxiToss 6d ago
Most likely you would be non-renewed. And probably no one but the state high risk plan will pick you up for the next 3-5 years.
Thing is, if your policy renews later in 2026, they may still non-renew you for just the 2 claims within a 3 year period, and then you'll have paid this last claim out of pocket for nothing. If it has already renewed for 2026, see paragraph 1.