Before You File a Homeowners Insurance Claim, Read This First

Think Before You Call: Why Homeowners Should Contact a Local Insurance Agent First

When something unexpected happens at home — maybe a small leak, a bit of roof damage, or even storm debris — your first instinct might be to call your insurance company’s 1-800 number to report it. After all, that’s what insurance is for, right?

But here’s what many homeowners don’t realize: calling that number often automatically opens a claim, even if the company doesn’t end up paying a single dollar.

Why That Matters

Every claim — paid or not — becomes part of your insurance history and can impact your future premiums and eligibility. Too many “inquiries” or small claims can flag you as a higher risk, which may lead to rate increases or even non-renewals.

The Better Approach

Before calling the big insurance hotline, reach out to a local insurance agent you trust. Local agents can:

• Review your policy and help you understand if the damage is worth filing a claim.

• Give you honest advice about whether it’s best to handle the repair out of pocket.

• Connect you with trusted local contractors for quotes or quick repairs.

• Help you file a claim only when it truly makes sense.

This simple step can save you time, frustration, and money — and protect your long-term insurance record.

Local Matters

Here in Paulding County, we see our fair share of storms, fallen branches, and surprise home repairs. Having a local insurance agent who understands our area and the types of claims we see most often can make all the difference when it comes to protecting your biggest investment — your home.

Just like working with a local real estate professional gives you insight into your neighborhood market, working with a local insurance agent gives you the personalized advice and advocacy you can’t get from a national call center.

So next time you have damage or an issue at home, pause before picking up the phone to dial the 1-800 number. Your local agent should be your first call.

Need a trusted local insurance contact? I’m happy to share a few reputable agents I personally recommend right here in our community.