Guides / Spend less on repairs
Should you claim on home insurance?
Compare the damage with your deductible and think about the future.
Homeowners and renters insurance covers sudden, accidental damage, not wear and tear. For smaller losses, paying yourself can sometimes be better.
Things to weigh
- Your deductible compared with the repair cost
- Whether a claim could affect your premium or renewal
- Whether the cause is covered (sudden pipe burst often is; slow leaks often aren't)
- Whether there's a safety or structural risk
If you do claim
- Prevent further damage if it's safe to do so, and keep receipts
- Take photos and videos before cleaning up
- Contact your insurer promptly
- Get written estimates and keep notes of every call
General information, not insurance advice. Your policy and insurer decide coverage. Home Nickel Pro isn't paid by any contractor, store or brand.