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/beccam12399]

i’m sorry, but how did you not know your insurance company writing you a check for a loss you had wasn’t a claim? What else would it be?

[u/jg23678 → u/beccam12399]

Because I was a first time home owner and didnt know. I didnt have to pay a deductible. What do you want me to say?

Also wasnt quite aware of the issue with too many claims until I was shopping for insurance on a new house. Just ignorance/ being a first time home owner.

[u/khostal → u/jg23678]

Who did you buy your insurance through? Do you not have an agent?

[u/jg23678 → u/khostal]

I did but I did not hear from them in the 6 years I had them.

[u/khostal → u/jg23678]

Did you ask them
Questions before filing a claim?

[u/jg23678 → u/khostal]

No