Summary of the text regarding making a claim for the same damage again:
Is it wise to claim again?
If you can’t afford the repair: Yes, you should claim if the cost is beyond your family budget, according to the insurance broker.
But be aware of consequences: Claiming will likely led to:
Increased premiums (bonuses go up).
Reduced coverage (protections decrease or disappear).
Insurers will likely require preventative measures: they may ask you to take steps to prevent the damage from happening again (e.g., better anti-return valve for a backpack, double barrier).
Some situations are unavoidable: If the damage is due to external factors like street flooding, the insurer may have no choice but to withdraw coverage. Even not claiming can affect you: Your insurer can still review and potentially change your policy conditions at renewal time.How to find out about your coverage:
contact your insurer: Open a claim file by phone or online. They will confirm your coverage. Understand your contract: They will explain your coverage limits and deductible.
Standard policies have limitations: Standard home insurance typically only covers specific types of water damage (e.g., dishwasher hose, bathtub overflow).
* Flood coverage requires an amendment: You need a specific addition to your policy to be covered for floods, backflows, overflowing watercourses, or roof leaks.
In essence, the text suggests claiming is a financial necessity if you can’t afford the damage, but it comes with potential long-term costs to your insurance. It emphasizes the importance of understanding your policy and taking preventative measures.
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