Claims

Does filing a claim raise my rate?

Sometimes, and not always in the way people assume. What actually follows a claim, what a loss history report records, and how to decide whether to file.

Tyler Woodall · Aug 2026

What happens when you file a claim

From the first call to the final payment: who does what, why the first cheque is often smaller than expected, and where the process usually stalls.

Matthew Henry · Aug 2026

Why a claim gets denied

Most denials are not disputes about honesty. They are the policy doing what it always said it would — and the reasons fall into a few categories.

Tyler Woodall · Aug 2026

Working with an adjuster

Who the adjuster works for, what they can and cannot decide, and how to make the interaction produce a better-documented outcome.

Matthew Henry · Aug 2026