To fix or to file?

That’s a classic question with a few key factors to weigh. Here’s a quick breakdown to help decide whether to fix the issue yourself or file an insurance claim:

When to Consider Fixing it Yourself:

• Small Cost of Repairs: If the damage is minor and costs less than your deductible or only slightly above it.

• Avoiding Rate Increases: Filing a claim could result in higher premiums, especially if you already have past claims.

• Simple Repairs: If it’s something manageable (like a small plumbing leak or minor auto scratch) that you’re comfortable handling or can get repaired cheaply.

• No Coverage: If the issue isn’t covered under your policy (like maintenance issues or wear-and-tear), filing a claim won’t help.

When to File a Claim:

• Significant Damage or Loss: If the cost of repairs is substantially higher than your deductible and you can’t afford the out-of-pocket cost.

• Liability Issues: If someone else was injured or their property was damaged and you could be liable.

• Covered Peril: If the loss is due to a covered peril (e.g., fire, theft, windstorm) and the cost is substantial.

• Multiple Incidents: If you have several small issues accumulating from a single event (like a storm causing multiple damages), one claim may cover all.

  
  

  

  We recommend to contact your current agent with questions.

Or contact our office for help

• 630-802-3301

• insurance@adamurbanik.com

#dontpanicwithurbanik