Considering Filing a Claim?

Why You Should Talk to Your Insurance Agent Before Filing a Claim

When unexpected damage, loss, or liability arises, your first instinct might be to contact your insurance carrier and file a claim right away. While that may seem like the quickest path to resolution, there's an important step many policyholders overlook — speaking with your insurance agent before you file.

Here’s why that conversation could save you time, money, and frustration.

1. Protect Your Claims History

Every claim you file becomes part of your permanent insurance record, even if it’s later withdrawn or denied. Multiple claims in a short timeframe can increase your premiums or make it harder to find affordable coverage down the road.

Your agent can help assess whether the incident is worth claiming based on your deductible, the severity of the damage, and the likelihood of coverage — helping you avoid unnecessary filings.

2. Understand What’s Covered (and What’s Not)

Insurance policies are full of technical language and exclusions that can be easy to misinterpret. Your agent can clarify:

• Whether your policy covers the loss in question

• What your deductible is

• Any potential limits or exclusions

• If the claim is likely to be approved

This knowledge helps you set realistic expectations before involving the carrier.

3. Avoid Jeopardizing Your Policy

Filing a claim that turns out to be uncovered can still count against you. In some cases, frequent or questionable claims may trigger a policy review — or even non-renewal.

Agents help you avoid these pitfalls by guiding you toward the smartest course of action, including alternative solutions or preventative steps.

4. Get Advocacy and Advice

Unlike a call center representative, your local agent knows you, your business or household needs, and the context behind your coverage. They can act as your advocate during the claims process, helping you:

• Document the damage properly

• Navigate required steps or paperwork

• Communicate effectively with adjusters

They’re your first line of defense and a valuable resource for a smoother claims experience.

5. Explore Alternative Solutions

Not every incident needs to go through insurance. Depending on the cost of damage and your deductible, it may make more sense to handle minor repairs out-of-pocket. Your agent can help you weigh the pros and cons and may even recommend reputable local contractors or restoration professionals.

The Bottom Line

Filing a claim is a major step — and not always the best one. Talking to your agent first ensures you're making informed decisions that align with your long-term insurance needs.

At Williamson Insurance & Investments, we’re here to help you navigate every step of the process — before, during, and after a claim. Reach out anytime you have questions or concerns. Your peace of mind is our priority.