How bad is it to have to file an auto and homeowner claim at the same time? Roof damage and fender bender?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 13, 2012

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Insurance Question from Chapin, SC

Asked on 09/13/2012

How bad is it to have to file an auto and homeowner claim at the same time? Roof damage and fender bender? Switched carriers a year and half ago and only ever had 1 homeowner claim (12 years ago), will our carrier drop us for filing 2 separate claims at same time?

Answer given on September 18, 2012

If you have a loss on your homeowner insurance and a separate loss for an auto accident, there is really no connection between these losses. Even if you have the same insurance company for both losses, they cannot be connected.If the auto accident was your fault, depending upon the amount of damages, your insurance rates could increase due to the accident. This will not be connected to the homeowner loss.If you file the home loss, be sure you will be getting a settlement that is worth filing the claim. Even though you have not had a claim in 12 years, most insurance companies will remove your claim free discount if you file a claim that is not considered a catastrophy, such as a large storm. Consider the deductible on your policy and how much the settlement will be versus the increased premium for the loss of the discount. Talk to your insurance agent about this before filing the claim.

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