Things to Consider Before Filing a Property Claim

If you experience property damage, your first thought is most likely to file a claim on your property insurance. While this is often necessary to get the damage repaired, or the property replaced, it is not always in your best interest to file a claim. This is true for all types of property coverage. Whether the property coverage is for a homeowner, a business owner, a ministry, or a non-profit, there are still a few things that you should consider before filing a property claim.

There are three main questions you should ask yourself before filing a claim on your property insurance:

1. What is the deductible on your policy?

If you have a high deductible, it may be a good idea to get an estimate of how much it would cost to repair the damage. If the cost to repair the damage is less than the deducible, then it is probably in your best interest to pays for the damage out-of-pocket and avoid filing the claim.

2. Have you filed another property claim recently?

If you file several claims on your policy, there is a chance that the insurance company may consider you a “high-risk” account. This has the potential to adversely affect your premium.

3. Do you need help navigating the claims process?

After a loss or disaster occurs, you may be overwhelmed with picking up the pieces. Dealing with a licensed insurance professional can make all the difference. Our customer service team is here to help you through the process!

If you would like to learn more about what to consider before filing a property claim, click here to read an article from Adjusters International.

Last Updated: March 25th, 2026