Phone inquiry considered a claim?

by Anonymous guy
(Canada)

To start off, I would like to thank the moderators and people in this blog for sharing information. It did help me get the answer for my initial concern I have in my head when my shingles were blown away due to wind storm thou they are 14 years old when it happened. Good thing I didn't make a claim as they could have just decline it or cancel my policy.


The information I saw in this blog raised a second question in my head. When I found out that my shingles were blown away, I called in the 1800# for my insurance company and inquired if I'm covered for what happened and was told that it is in my policy, hence I am covered.

While we were talking, I recalled that I just made a claim for flooding in my basement 6 months ago and so I told the representative to just forget about my call and explicitly said, "I wont make a claim for now and if need be, I'll call them back".

Will that call count as a claim already thou I just inquired if I'm covered?

Thanks in advance!

Inquiry = Claim?


Hey there,
Thanks for the compliment, and sorry for the delay in replying.

One of my biggest irritations with home insurance is that many home insurers will count an inquiry as a claim. The worst part is you won't know until you have a couple other claims within a short time frame and have problems as a result (e.g. 3 claims in 3 years may lead to non renewal of a policy, regardless of a payout).

You could call your insurer for a review of the policy, and ask them at that time how many claims you have on record. If you have more than one, I would complain about that and ask how to have it removed. Hope that helps.

By the way, it's not a certainty that they won't pay out for an older roof. But many company's would resist paying out.

Please be sure to discuss this with a licensed insurance representative. And you can try getting quotes here:

Compare home insurance quotes through Kanetix.ca - save time and money!


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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

Compare insurance quotes through Kanetix.ca - save time and money!