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Can insurance company drop you if file act of god claim?


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Answered 2013-05-13 21:14:51

No, Your homeowners insurance will cover losses due to an "Act of Nature" if you have an extended coverage policy.

For a claim caused by an "Act of God" you'll have to rely on prayer.

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That's not very likely. The insurance company does not file your claim, they accept your claim notice from you. You have to file your claim with the company, not the other way around.


They should not drop you before a claim is settled. If they have contact your state department of insurance and file a complaint.


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Unless you present a fraudulent claim, it is illegal for any Insurance co to drop you because you file a claim.


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Yes and no. Insurance companies do not raise your rate because you filed a claim (this only applies to "Act of God" claims). Any claim related to weather like hail, wind, flood, tornado, etc. It's called a pooling effect, so if X# of people file a claim in your area everyone's rates go up whether you file a claim or not. Insurance companies do not raise your rate just because you filed a claim. Now, they can drop you for any reason they want, but are not likely to drop you because of an Act of God claim. If they drop you because you filed an Act of God claim, then you should definitely find a new insurance company.


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file with your insurance company and they will deal with your neighbors insurance policy.