CoverClaro / Coverage guide
Claims & Deductibles
Understand how claims & deductibles questions can depend on policy language, the cause of a loss, and the facts of your situation.
Quick guide to these questions
| Situation | Possible outcome | Why |
|---|---|---|
| What homeowners insurance covers | It depends | It depends on what caused the damage and what your policy excludes. |
| Premium after a claim | Usually yes | Often at renewal, and even a denied claim can count. State rules vary. |
| How to file a claim | • Guide | |
| Claim denied | • Guide | |
| What not to say to an adjuster | • Guide | |
| Public adjuster | • Guide | |
| Hotel and loss of use | Usually yes | If a covered loss makes your home unlivable. Not for power outages alone or excluded damage. |
| Percentage deductible | • Guide |
Published guides
What homeowners insurance covers? It depends
Premium after a claim✓ Usually yes
How to file a claim• Guide
Claim denied• Guide
Public adjuster• Guide
Hotel and loss of use✓ Usually yes
Percentage deductible• Guide