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.
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u/jg23678 5d ago
And how would that help in today's situation? You're being unhelpful and trying to make me feel dumb for what I didnt know.
Luckily I have a good job and money in the bank for these situations. My brain was spiraling when it first happened at worse case scenario thinking what if its tens of thousands of dollars, but its not and we can and will pay for the repair out of pocket.
I acknowledged in my first post that making the old claims was an error and a mistake but there is nothing I can do about it now. My policy will say nothing about how many claims it'll take them to drop me so not at all helpful. You ARE being a smart ass lol because why would I read my 30-40 page policy.