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What you should know before filing ANY claim

Most of us know that being "claims free" could yield a healthy discount on our insurance, but did you know that even a "claim inquiry" can count as a claim?

That's right, even if there is $0 paid out by the insurance company, you could still loose your "claims free" discount - and have a claim on your insurance record for up to 5 years. For that reason, it's a good idea to seek the advice of a professional in your area to determine whether or not to file a claim.

For example, let's say there's a windstorm and you discover resulting damage to your roof. Your first course of action (besides taking appropriate steps to prevent further damage) should be to seek the opinion(s) of roofing contractors as to the extent of the damage. If you don't know who to contact, we can point you in the right direction. Taking photos is also a great idea.

Based on this information, you should then contact your Agent and determine if making a claim is reasonable with consideration to your deductible and coverage.

Additional Information

Have questions? We're here to help. Call Kris @ 734-662-3100 extension 27 for more information.

Note: The information in this article is designed to be a general overview of the topic. None of the information provided is to be used as a baisis for buying insurance. As always, you should talk with your agent for specific information regarding these coverages before making a buying decision.

Proudly quoting you with

Kris Hall
Who am I?

My name is Kris Hall. For years I've been insuring families all over Michigan and I'd like the opportunity to do the same for you. We live in an increasingly litigious society and having adequate coverage is more important than ever. 

                                      I take pride in helping my clients understand what they're buying, not just how much it costs. Every client benefits from having multiple companies compete for their business. 


  • Expert Advice

  • Impartial quotes

  • No broker fees

My agency

Located in Ann Arbor, the Kleinschmidt Insurance Agency has been serving Michigan since 1926. For three generations we've taken pride in being the most experienced agency in Ann Arbor with a longstanding history of excellence. 

Contact & Location Information

450 South Maple Rd

Ann Arbor, MI 48103


Office: 734-662-3100 x25

Cell: 734-417-4274

Fax: 734-662-5379

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