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Originally Posted by BDBohnzie
yeah, what he said...never ever call the insurance company for something like this. if you notice an increase, then call and plead your case.
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Never call your homeowners insurance company with a question. Even a general question or inquiry will count as a "case" by them...and that means you'll be seeing a big rate hike when you file a real claim because in their system...you didn't have a "clean" account. They're theives with this policy. They only allow a certain number of items on your record before they double (or more) your rate. Usually it's 3.
You can't even call without saying your name, they'll log the home number and open a case on the corresponding telephone number. If you MUST call with a question like "would I be better off fixing this broken window myself or filing a claim"...do it from a payphone, out of town, with a fake accent.