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This is not an easy answer.  Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense.  However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.

What our clients are saying.

We are an independent insurance agency headquartered in New Port Richey, Florida.
Our goal is to help you get the right insurance coverage at the right price.

I loved working with Frankie to get quotes and sign up for insurance on our current house and our under-construction house. I am less happy to receive frequent emails from Steve Hull to “check in” when I have no issues of which I am aware, and the emails provide no information or even news about how Farmers Insurance is handling claims from hurricane Ian or other insurance issues in Florida.”

“Excellent Agent, efficient and very good support.Steven saved me quite a lot for my homeowner insurance.”

“Best insurance agency ever thank you so much!”

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