Originally Posted by CDSmith

Fire?
Wind damage?
Water damage?
Ceiling collapse?
Basement flooded?

Earthquake???


By launching a claim did it up your premiums?

I'm laughing but at the absurdity of it, because really the insurance companies never lose, even when they do pay, they get their money from you. One of my upstairs toilets just sprung a leak and water poured through my downstairs ceiling, opening up a huge wet rift in the drywall. Stipple is hanging and chunks of it are all over the floor. Yay.

I have a 20-year claims-free record going, which gives me a 20% discount on my insurance. If I make this claim that goes away.

Plumber says he can fix it for under a grand. I doubt I'll be making a claim.