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Can I change home insurance after a claim?
My backyard shed was knocked over by a windstorm and I had to file a claim with my home insurance. I thought it wouldn't be that hard, but nobody’s returned my calls in weeks. I'm frustrated and want better customer service. Is it possible to change home insurance companies after filing a claim?
Rachel Juillerat · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry you’re having difficulties with your current provider. After paying your premiums faithfully, the last thing you want is to find you
can’t get your claims adjuster on the phone
!Yes, you can change home insurance providers after filing a claim. However, only your current company can fulfill the claim you’ve already filed. Any coverage agreement you begin with a new company cannot take effect retroactively. It’s frustrating, but you need to keep calling—and contact your state’s insurance commissioner!
In the meantime, you can comparison-shop for a new provider by comparing quotes. If you have a vehicle, you could save a lot of money by buying a
car and home insurance bundle
. Keep in mind all insurance providers share claims information in a secure database known as Comprehensive Loss Underwriting Exchange (CLUE). Your new provider may be able to see the claim you filed and use it in their premiums calculations.
View full answer
- Gregory R.
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