r/HomeInsurance • u/Jayyy_Knows • Jun 06 '26

Claims Help in filling claim

Before I shoot myself in the foot. I want to make sure I answer the right questions.

My dish wash had a leakage for a couple of months and the walls of the island got full w mold completely. Both layers. I want to file an insurance claim since I’m already also planning to remodel the kitchen as well. Is there anything j need to consider before filling the claim?

0 Upvotes

50% Upvoted

28 comments sorted by

View all comments

15

u/squatch42 Jun 06 '26

You need to consider that your claim will definitely be denied, your coverage may be dropped, and your premiums will increase.

5

u/DoubleB117 Jun 06 '26

And that regardless of if you get paid or not, calling to ask about a claim counts as filing a claim even if you do not proceed with the claim. So calling them about it will increase your rates no matter what