Home Management Blog

Most home insurance companies do not usually pay much attention to a single claim for a loss, so it will not increase your premiums even if it is a major complaint, as is the case of a natural disaster.

Some home insurance companies, those who worked less than two claims within three years, often receive discounts of up to 15% in the value of their premiums. On the other hand, after two complaints, the company does not discount, on the contrary, the premium starts to increase, since too many claims represent losses for the insurance company.

In severe situations such as natural disasters, we should not worry because the insurance companies understand that in these situations there is nothing we can do to prevent causing damage to our home.

What really worries insurance companies from home is when the owners make too many claims for damages in the home, such as damage to the pipelines, because once you receive compensation for repairs for, and the same is done properly, the short time homeowners can make a new claim for the same accident.

In these cases, home insurance, despite providing adequate provision, at the time to renew the insurance policy, analyzed in detail. Something similar happens when too much is made between claims for falls or accidents within the home.

What we must always consider when making a claim for damages is to make proper repairs, to prevent an accident from happening again similar and, therefore, we produce a new claim. Remember that the fewer claims for damages made​​, the lower the price of your insurance policy.

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