

Top 10 Reasons to Call Your Agent Before Filing an Insurance Claim
Jan 30
2 min read
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Navigating insurance claims can be tricky. Before you call the claims department, reach out to your agent first. This step can save you time, money, and even your policy. Here are the top 10 reasons why contacting your agent before filing a claim is a smart move.
1. Claims Are Always Recorded Every claim is logged in your file, even if no payment is issued. These records can affect your history and influence future premiums.
2. Avoid Unnecessary Rate Increases Filing a claim—even a small one—can result in higher premiums. Agents help you decide if filing is worth it.
3. Protect Your Coverage Frequent claims may lead to non-renewal. Consulting your agent first can prevent unnecessary filings that could put your policy at risk.
4. Get Tailored Policy Insights Your agent knows your coverage inside and out. They can help you understand what’s covered and guide you on the best course of action.
5. Filing Prematurely Can Backfire Calling the claims department too soon can lock you into a process before you’ve explored all options. Agents act as a buffer to help you decide wisely.
6. Agents Offer Expert Guidance With their knowledge and experience, agents can assess your situation and recommend the best steps to take.
7. Avoid Costly Mistakes Agents are familiar with common pitfalls in the claims process and can help you avoid them.
8. Claims Can Impact Renewals Even unpaid claims can affect your renewal status. Your agent ensures you’re making decisions that protect your long-term coverage.
9. Proper Documentation Agents can guide you on collecting the right documentation, from photos to receipts, ensuring a smoother claims process if needed.
10. Agents Are Your Advocates Unlike the claims department, which serves the insurer, your agent works for you. Their goal is to protect your best interests.
Conclusion Before you file an insurance claim, make your first call to your agent. They’ll provide expert advice, protect your policy, and help you navigate the process with confidence.
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