So, a little bit ago i had a flood in my basement. it was sucky to say the least and i ended up making a claim with my homeowner's insurance. they came out, and after appraisal, they gave me a 3k. My deductible is 1k so i net 2000 for the damage etc. (which i have yet to deal with *sigh*) i actually had to have a plumber and mason out to figure out if it was my problem or not, it was mine, not the city's, because the old lead line was leaking, out in the middle of the street. so after the plumber dug two feet into the wall to discern the foot-deep water flood- flowing at creek speed into my basement- would need to be dealt with by the city but that it was my issue for claiming, if i so chose. the mason came by to fix up the hole. i have to get a mildew/mold scrub for the floor (it's an unfinished basement) and had items down there that were damaged.
my question is: have any of you ever filed a claim? did your rates go up, like they do with car insurance? i have to show them every single receipt for everything and i wonder if, when i get the scrub, it's less than the allotted amount will they request money back? how does this work, any tips i need to know?
thanks!!



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