Hi all, Ive been with my insurance company about 2 months and I need to make a claim, is this too soon, will they pay out or will it just be too much hassle?
Its my sofa, my partner was painting the ceiling and my friends little boy came running in and knocked the paint over. I know its a cliche, as Im sure lots of ppl scam this way, but its genuine.
Does it matter how long I have been insured to make a claim on contents insurance?
05
May
isabellanaultik
May 5, 2010 at 10:00 pm
They’ll pay out, if it’s a covered cause of loss.
Sweetharttt
May 5, 2010 at 10:48 pm
If it is a covered loss and over your deductible, file your claim.
♥~*Momma Bear*~♥
May 5, 2010 at 11:35 pm
If the claim happened after your effective date and it is a covered loss they will pay out.
Queen B
May 6, 2010 at 12:14 am
if its a covered loss they will pay out minus your deductible. it is very early after writing your policy to make a claim, and it will raise a red flag with your company. if its a small claim you may not want to claim this. the more claims you get the more likely they will non renew your policy.
car253
May 6, 2010 at 1:14 am
You are covered immediately from the time you make your first payment. That is no problem.
However, someone spilling paint on your sofa is not a covered loss under renters or homeowners insurance. It covers fire and theft.
Call your agent and they will tell you.
Charlie D
May 6, 2010 at 1:45 am
car253 is right, it is probably not a covered cause of loss anyway. You should check your policy to be sure, before filing a claim.
c
May 6, 2010 at 2:26 am
Im assuming you have a renters or homeowners insurance.
You will NOT be covered for that. That is called “negligence” in insurance language. Your policy will only cover you for fire/hazard.
If it was one of the perils that you would have coverage for however, time wouldnt matter. Only guideline is that there can be no pre-existing damage to your article at the time of writing the policy.