I have filed a burglary claim a week ago. My adjuster had his known construction company to come fix my doors. Total cost is $2000 (checks issued). Plus, my personal valuable loss claim is $3000 (unresolved). Will my insurance company drop me off from the policy? Can they do that? Or will my premium payment go up a lot higher? Can I do anything to prevent this?

Depends on what state you live in. You WOULD normally see an increase in premium.

Some states allow a policy to be cancelled if there are two or more losses inside a certain time frame - usually 3 - 5 years. Other states won't allow a company to cancel you for claims, but in THOSE states, the companies will jack the rates through the roof to encourage you to move elsewhere.

Can you do anythign to prevent it? Sure. You can talk to your agent, and "negotiate" a plan with the insruance company. If you have more than one claim, you need to mitigate the loss - either raise your deductible to $2500 or $5,000, or install a monitored alarm system, or take a $5,000 theft only deductible, or something like that. Your agent can help work out something with the company that you both can live with.


ONE claim isn't going to be a problem. If a pattern starts up with claims, that's when there's a problem.

If this is your first claim no. if you have had several possiblity they will drop you

To Get Dropped You Have To Have Filled 3 Clams In 10 Yrs The Only Way To Prevent This Is Don't Take Any Money From The Insurance Co You Can't Be Dropped If It's Just Your First Claim If It's Your 3rd Yes They Can Drop You Insurance Might Go Up A Little I Believe In Order For It To Go Up It Has To Be Over A Certain Amount And Yours Won't Because It's A Low Amount But If Alot Of People Make Claims It Just Might Go Up A Little Talk To Your Agent He Is Your Adviser