{"id":199,"date":"2026-08-04T16:29:34","date_gmt":"2026-08-04T16:29:34","guid":{"rendered":"https:\/\/tommythomseninsurance.com\/home\/?p=199"},"modified":"2026-08-04T16:29:35","modified_gmt":"2026-08-04T16:29:35","slug":"why-you-should-call-your-insurance-agent-before-filing-a-claim","status":"publish","type":"post","link":"https:\/\/tommythomseninsurance.com\/home\/why-you-should-call-your-insurance-agent-before-filing-a-claim\/","title":{"rendered":"Why You Should Call Your Insurance Agent Before Filing a Claim"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_58-PM-1-1024x576.png\" alt=\"\" class=\"wp-image-202\" srcset=\"https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_58-PM-1-1024x576.png 1024w, https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_58-PM-1-300x169.png 300w, https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_58-PM-1-768x432.png 768w, https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_58-PM-1-1536x864.png 1536w, https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_58-PM-1.png 1672w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance is designed to protect you when something goes wrong. However, not every small repair or minor loss should automatically become an insurance claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before filing a non-emergency home or auto claim, speak with your insurance agent. A short conversation can help you understand your deductible, review the estimated repair cost, and consider how the claim could affect your insurance history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A Claim Can Become Part of Your Insurance History<\/h3>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">Many people assume a claim only matters when the insurance company pays for the damage. However, once a loss is reported, it may become part of your claims history\u2014even when the claim closes without payment.<\/p>\n\n\n<figure class=\"flexa-image flexa-image-35b55e2d wp-block-flexa-image\"><div class=\"flexa-image__frame\"><img src=\"\" alt=\"\" class=\"flexa-image__img\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance companies may review previous claims when setting rates, deciding whether to offer coverage, renewing a policy, or determining eligibility for certain discounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One claim does not automatically mean your premium will increase or your policy will be canceled. However, several claims within a short period may affect your future insurance options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Small Claims Deserve Careful Consideration<\/h3>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">Imagine that a homeowner discovers water damage under a kitchen sink. Repairs are estimated at $1,500, and the policy has a $1,000 deductible.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">Even if the damage is covered, the potential payment may only be around $500. The homeowner must decide whether that payment is worth adding a claim to their insurance history.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Before filing, consider:<\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<ul class=\"wp-block-list\">\n<li>The estimated repair cost<\/li>\n\n\n\n<li>Your deductible<\/li>\n\n\n\n<li>The cause of the damage<\/li>\n\n\n\n<li>Whether additional damage may exist<\/li>\n\n\n\n<li>Your recent claims history<\/li>\n<\/ul>\n\n\n<figure class=\"flexa-image flexa-image-8c98af25 wp-block-flexa-image\"><div class=\"flexa-image__frame\"><img src=\"https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_59-PM-3-1024x1024.png\" alt=\"\" class=\"flexa-image__img\" width=\"1024\" height=\"1024\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Your agent can help you review these details, although the insurance company\u2019s claims department makes the final coverage decision.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A Brief Note About C.L.U.E. Reports<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Home and auto claims may appear in an insurance-history database commonly called C.L.U.E. Insurance companies may review this information when pricing a policy or deciding whether to offer coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">This Does Not Mean You Should Avoid Legitimate Claims<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance exists to protect you from covered losses. You should not be afraid to use your policy when you experience serious damage, injuries, liability, or expenses that would be difficult to handle on your own.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A large fire, major water loss, serious collision, theft, or liability incident is very different from a repair that costs only slightly more than the deductible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is not to discourage claims. The goal is to help customers understand that reporting a claim can have consequences beyond the immediate payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Filing should be a deliberate and informed decision.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Be Clear When Asking a Question<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When contacting your agent, explain that you are asking for guidance and are not yet requesting that a claim be filed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might say:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cI have a question about my coverage, but I am not asking to file a claim at this time.\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your agent can help you understand your deductible, review your coverage, and discuss possible next steps. They cannot guarantee that a loss will be covered, but they can help you make a better-informed decision.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Call Tommy Thomsen Insurance Before You File<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>Tommy Thomsen Insurance<\/strong>, we help customers understand their policies and options before making an important claims decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before filing a smaller, non-emergency home or auto claim, call us at <strong>801-982-7200<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A quick conversation may help you protect both your finances today and your insurance options in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This article provides general information and is not a guarantee of coverage, claim payment, renewal, or premium changes. Decisions depend on the policy, circumstances of the loss, claims investigation, and insurance company guidelines.<\/em><\/p>\n\n\n<figure class=\"flexa-image flexa-image-b346c99b wp-block-flexa-image\"><div class=\"flexa-image__frame\"><img src=\"https:\/\/tommythomseninsurance.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-31-2026-02_10_59-PM-4-1024x576.png\" alt=\"\" class=\"flexa-image__img\" width=\"1024\" height=\"576\" loading=\"lazy\" decoding=\"async\" \/><\/div><\/figure>","protected":false},"excerpt":{"rendered":"<p>Insurance is designed to protect you when something goes wrong. However, not every small repair or minor loss should automatically become an insurance claim. Before filing a non-emergency home or auto claim, speak with your insurance agent. A short conversation can help you understand your deductible, review the estimated repair cost, and consider how the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-199","post","type-post","status-publish","format-standard","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why You Should Call Your Insurance Agent Before Filing a Claim - Tommy Thomsen Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tommythomseninsurance.com\/home\/why-you-should-call-your-insurance-agent-before-filing-a-claim\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why You Should Call Your Insurance Agent Before Filing a Claim - Tommy Thomsen Insurance\" \/>\n<meta property=\"og:description\" content=\"Insurance is designed to protect you when something goes wrong. However, not every small repair or minor loss should automatically become an insurance claim. Before filing a non-emergency home or auto claim, speak with your insurance agent. 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