Quote Originally Posted by Adam View Post
Thanks for all of your input guys. Do you think its worth contacting the home insurance?
It is a gamble depending on 1. How long you will keep the house. 2. How good your insurance claims adjusters "will be." and 3. Do you have a good relationship with your agent.

If you make a claim, you will have to disclose that when you sell. Could cost you some money short term if you sell. Claims adjusters are not all equal even within the same company. I deal with them daily from some of the majors and some seem hell bent on denying legitimate claims while others look for every angle to pay for a non-covered claim. If you can have a discussion with your agent, they might be able to give you more direct and personal feedback.

Then again, consider your deductible against the amount of damage considering that you could get sur-charged for 3 years as well. This is where your agent can really help you understand your coverage and the potential up and down side of a claim in light of your actual policy. Part of why I don't like companies where you don't get your own agent.