Insurance companies dirty little secret.
You should think twice about filing a claim for damage to your properties. Even though you have been faithfully paying your premiums for years without a claim, one big claim can change everything
Insurance companies have been known to cancel you for doing just what you thought you were paying for all those years.
In addition, they all share records with each other so you will go on a black list. That may make getting coverage from another company very difficult and/or expensive.
So it pays to have a really high deductible. Don’t file a claim unless it is a huge loss. You will pay for it in more ways than one.
