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A storm causes a water leak in your roof. You decide to call your insurance company as a result of the water leak, however you are hesitant to make a claim on your homeowners insurance.. So you decide to pay all of the expenses on your own, figuring it will be worth it over the long run.

When it comes time to renew your policy, the insurance company catches you off guard and decides to drop your coverage. You never made a claim, however the insurance company kept track of your phone call and treated it as a claim. Now you must find a new insurance company, though now one will give you coverage. Marie Wagstaff found herself in this situation after she paid for her California house repairs in 2000.

Many people are hesitant to make small claims on home insurance because they are afraid the insurance company will refuse to renew their policy. Some might think the small repairs everyone has to make are exactly what insurance is supposed to be for. Few know of the consequences of calling your insurance company. Insurance companies treat a phone call and a claim as a mark on your record. The call may even go into the Comprehensive Loss Underwriting Exchange report on your house. This is the report that realtors and banks are allowed to check to see the history of a claim.

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