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Can I cancel a home insurance claim?
I just filed a home insurance claim, but the damage to my house is less than my deductible. Can I cancel my claim?
Anthony William · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s a great question because the answer is yes and no. It depends on timing. As long as you cancel your claim before your insurance provider has initiated the claims process, you can cancel your claim. But if you’ve already received any payment from your insurer or the process has started, you won’t be able to cancel.
Your particular case is a great example of when to cancel your claim. You should also consider canceling your
home insurance
claim if you’ve had too many claims recently and want to avoid being deemed high-risk. Your premiums could increase, or worse, your provider could drop you altogether. That said, you can still close your claim. If your insurer hasn’t paid out your claim, most will let you close it. However, be mindful that a claim that doesn’t pay out can still impact your insurance rates.
Your best option is to reach out to your insurer’s claims department as soon as possible. The earlier you stop the process, the better chance you have of canceling your claim.
Once you take care of your insurance claim, consider using
Jerry
to find a lower rate for your home insurance. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
MORE: 10 best companies for home and car insurance
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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