When To Make A Homeowners Insurance Claim? 
Make a claim when the recovery is more than a potential increase in subsequent premiums . Basically I advise against making petty claims that come close to the deductible on the policy . Many companies provide substantial discounts for being claims free . Loss of that discount should be computed . Other companies , however , lower the deductible for years without a claim . So you need to have a clear idea of the recovery you anticipate before filing a claim . If it is a liability claim , never hesitate to file the claim . 