When Should I File A Claim For Homeowners Insurance? 
If you are sued , call your insurance company immediately . If there is damage to your property that requires immediate attention , file a claim with the company . This is particularly important with water damage or any damage the affects the integrity of the home . If the situation isnt urgent discuss the loss with your agent before filing a claim . If the claim is minor it might be better to forgo the claim and enjoy a further premium discount for being claims free . 