California E&S Insurance

YSK Never call your homeowner insurance's claims department... Why YSK this is because if you EVER call your homeowner insurance company's claim department, once you pass their security questions, they automatically open a new claim that is recorded on your policy's record. What they never tell you is that call could very well cause your insurer to drop you! That means that even if you change your mind because you don't want to pay your deductible, it's still a claim. It is recorded as the same black mark on your policy that you'd have gotten if you claimed $40K in damages! If you create a certain number (three, apparently) in last few tears years, the insurance company will drop you completely. At best, they can put you on a different company's policy that accepts high risk homeowners, which you now are. That's when things get ugly. Source: a humane insurance associate at USAA who revealed this dark secret.

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