Scared to file claim

[u/jg23678]

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.

[u/Holiday-Feeling2617]

there is no reason to gang up on jg23678, everyone goes through times like this where it seems like the roof is caving in.

you live and learn and move on. hope it works out, you're insurance carrier will most definitely raise your rates, if not cancel your policy ( i had a similar issue where I wanted to file a claim with my insurance carrier for property damage but the local police officer talked me out of it, stating it's only going to cause issues with my carrier since it wasn't major)

[u/jg23678 → u/Holiday-Feeling2617]

This is just reddit and I should know better than to come here lol every now and then there are people who have lived it who have advice but its mostly trolls you have to sift through.