"Vox Humana" wrote in
:

One thing to consider about filing a claim with your
insurance company is that it could end-up getting you
dropped, particularly if you have filed other claims in the
last few years. Insurance companies have been scrambling
to cut cost recently with the loss of investment income
coupled with underwriting losses from large-scale
disasters. In Ohio, insurers have been reviewing their
files and dropping anyone with more than two claims in
three to five years. I know of two people who were dropped
this year even though they had only filed two small claims
that were related to damage beyond their control. Another
person received an advisory letter. In addition, I
learned recently that people are checking the number of
claims that a home seller has filed as part of their home
search to make sure that they can get insurance and that
the premiums will be affordable. Filing a claim may make
it harder to sell your home if that is a possibility. Life
never gets more simple.

also, some insurance companies keep track of calls just
asking about coverage & if you make too many, even if you
never actually file a claim, they will drop you.
if you have questions about what your insurance covers *read
your policy*, don't call the agent... that could get you
dropped.
lee