Quote:
Originally Posted by Velvet
Since I had to make a claim on my roof I guess I’ll be looking for new insurance, soon too if Harbor Coastal decides to punish me. What interests me, beside the cost of the premium, is how is the insurance company about paying out claims? Not all of them pay out easily or at all, from what I hear.
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You can run but you can't hide!
If you make a claim with one company EVERY company knows about it and it affects everything you do with any type of insurance. You MIGHT get lucky for 1 renewal until it catches up with you on their records. Just like your credit score it affects everything. You can get a FREE copy of everything they have on you from LEXISNEXIS (and it's a LOT). Mine was about 200 pages! They had home, auto and credit details listed going back forever. That's why you can't lie to your auto insurance company when they ask "when was your last accident."
LexisNexis® Risk Solutions maintains information on insurance claims histories and has designed an easy process for consumers to request their free file disclosure.
Order Your Report Online - LexisNexis Risk Solutions Consumer Disclosure
It's worth requesting a copy just to see what they have. It's free like your credit reports.