Phone inquiry considered a claim?
by Anonymous guy
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?
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:
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