[Yoo hoo.. down here! Damn time warps.]
Not sure if it affects the answer, but FYI I currently have a homeowner's policy through Allstate.
So here's the deal: I just signed a contract on a new house, and I am getting ready to sell my current house. I do, however, have a roof leak that I will need to get repaired before I can list the house.
So I had a roofer come out today and he's basically telling me this section of roof will need to be replaced. (I know, get another opinion / you can't trust roofers etc., but assume this is accurate for the purposes of my question).
The trick is, knowing whether or not Allstate agrees with this assessment involves filing a claim and getting an adjuster to come out. That could very well result in someone coming out and approving $600 worth of work, which is only $100 over my deductible. At that point, there's no way I would pursue the claim.
So my question is this: Does filing a claim, even if it doesn't pay out anything, in itself have a negative connotation for future rate increases etc? I understand, at least with Allstate, that generally the first claim doesn't hurt you in that respect, but a second claim would generally trigger a rate hike etc. So would this claim be considered the "first claim" or would it not because they didn't pay anything out on it?
I hope I'm making sense. Anyone?
Not sure if it affects the answer, but FYI I currently have a homeowner's policy through Allstate.
So here's the deal: I just signed a contract on a new house, and I am getting ready to sell my current house. I do, however, have a roof leak that I will need to get repaired before I can list the house.
So I had a roofer come out today and he's basically telling me this section of roof will need to be replaced. (I know, get another opinion / you can't trust roofers etc., but assume this is accurate for the purposes of my question).
The trick is, knowing whether or not Allstate agrees with this assessment involves filing a claim and getting an adjuster to come out. That could very well result in someone coming out and approving $600 worth of work, which is only $100 over my deductible. At that point, there's no way I would pursue the claim.
So my question is this: Does filing a claim, even if it doesn't pay out anything, in itself have a negative connotation for future rate increases etc? I understand, at least with Allstate, that generally the first claim doesn't hurt you in that respect, but a second claim would generally trigger a rate hike etc. So would this claim be considered the "first claim" or would it not because they didn't pay anything out on it?
I hope I'm making sense. Anyone?