Think Twice Before Calling Your Home Insurer: A Simple Question Could Raise Your Rates

After a storm, your instinct might be to call your insurer and ask if damage is covered. Don't. That simple call could end up costing you.

Insurers often log inquiries as “zero-dollar claims” - entries in your file even when no payment is made. These records can reach industry databases that other carriers use to price your policy, potentially raising your premiums.

Texas and a few other states bar insurers from raising rates based on mere questions, but most states offer no such protection. A representative may also accidentally open a claim file while you are only seeking information.

To protect yourself: review your policy documents first. Ask an independent agent for general questions. If you must call, start by stating clearly you are not reporting damage and are not filing a claim. Keep questions general.

Strategies to lower premiums include raising your deductible, avoiding small claims, installing leak detectors and roof reinforcement, and shopping around at renewal.