Your insurance won't pay to help fix your home and it could cause your rates to go up. "If it's just a little bit over your deductible, I would also argue against filing a claim," he added.

Filing a home insurance claim might make the most sense when the loss estimate is more than your deductible. Any claim, even a minor one, might lead to an increase in your home insurance premium.

Smoke damage is a covered peril in most policies, with disputes often arising over cleaning or replacing exposed items. Extreme heat and smoke kills most plants and may contaminate soil. Keep your ...

Contents - Personal Property Inventory List Example: The example below shows the level of detail adjusters are looking for. In a large loss, the adjuster may accept grouping of similar items such ...

Home insurance is a contractual agreement between you and your insurance provider. In exchange for monthly or yearly payments, called premiums, the company provides financial protection for your ...

If your home has been through a devastating event, like a fire, flood, or natural disaster, and you suspect it’s a total loss, the first thing you should do is notify your insurance company ...

Home insurance may pay to repair or replace your roof if it’s damaged by a covered problem, but if your roof is old or in bad shape it may make your claim more difficult.

Form 4684 allows individuals, businesses and estates to claim deductions against any unexpected losses due to theft or disasters. These deductions can help reduce taxable income, but they come ...