 Posted: Mon Jan 04, 2010 4:40 pm Post subject: Should I file a claim? |
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My house was broken into on New Year's Day, and I'm not sure if I should file a claim or not. My house is sold, but I have not closed on it yet. The burglers broke in through a rear sliding glass door that had been left unlocked by an appraiser, inspector, or realtor during the whole process. I had items stolen that totaled about $2800, and nothing was broken. I have a $500 deductible on my policy.
My question is will it be worth it in the long run to file a claim with my insurance company (Nationwide)? My agent explained to me that any claims are translated into "points" against my policy, and that the points increase the premiums, but he couldn't tell me even an order of magnitude of how much they would increase or how many points a theft would give me. I currently have 1 point from a roof replacement last year due to a wind storm. He also told me that claims stick around for 3 years, then drop off of the policy.
I am moving to a much safer zip code, so I'm thinking that I might get out of some of the increase for that. But I'm not sure that it's worth it to file this claim. |
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wilheldp
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Joined: 06 May 2008
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