Owning
insurance is a beautiful thing but it is one we do not hope to ever use. As
reassuring as it may seem to have a company stand by you through a damage or
loss, it just isn’t something we are ready to undertake. In case of damage or a
loss, the first things you will be expected to do is to report to your insurer
and possibly file a claim.
The
strange thing about this is that filing a claim could affect your premium rate
in the future. For example, you had to repair some damages in your home and your
insurer came through for you. Your insurer would somehow increase your premium
depending on the type of claim or your location.
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