A Quick Guide to Making the Smart Call on Home Insurance Claims

Hi Clients and Prospects,

When something goes wrong at home — a burst pipe, storm damage, or an unexpected mishap — your first instinct might be to file a home insurance claim.

But here’s the truth: not every issue is worth claiming.

A good rule of thumb?

Only file a claim if the cost of the damage is at least 2 to 3 times your deductible.

Here’s why that matters:

• Your deductible comes first: You’ll pay this amount out of pocket before insurance helps cover the rest.
• Small claims can cost you later: Filing for minor repairs may lead to higher premiums or even impact your coverage eligibility.
• Claims history matters: Insurance companies look at your claims record — too many, even small ones, can be a red flag.

For example:

Let’s say your deductible is $1,500.

• If a repair costs $1,800, it may not be worth it.
• If it’s $4,500? That’s likely a claim worth filing.

Smart move: Get a professional estimate first, then weigh the cost against your deductible. When in doubt, we’re happy to walk you through it.

Have questions or need help reviewing your policy? Reply to this email or

Click HERE to choose a time that works for you.

George Page

Page Insurance, Ltd

(203) 453-5258

www.pageins.com