Should I make a Claim?

Recently, I received a phone call from a customer that found a fresh water spot on the ceiling in their basement. The customer was wondering if they should notify the insurance company or not.
I asked them if they had found the source of the water? Was it a burst pipe? Was it a leak in the bathtub drain or perhaps just some over flow of a toilet or sink?

They were not sure. I asked them to find the source as soon as possible. If the problem is nothing more than an over flow, not a big deal.

However, if the source of the water is not found, the problem could go from bad to worse very quickly.
When we get a call like this the end result is what we are concerned with, not whether a customer should submit a claim because they may be canceled. www.jmdins.com
Some customers think that an insurance carrier will cancel them simply because they have a claim. Well, that can be true. However, cancelations are usually about too many claims being submitted (frequency) or one major claim (severity).  

Please understand that insurance companies don't like to pay claims. They might say they do. But you and I know, like most businesses, they are motivated by profit.
Our concern is getting your claim resolved, large or small. We don't want to delay in submitting a claim. You do have a duty to notify the carrier of a loss in a "timely" fashion.
In this case, our customer, and the plumber found the leak. It was coming from a second floor laundry room. The water pressure had popped a tiny pin hole in a pipe seem at an elbow. The resulting cost to repair was over $10,000. If this customer had ignored that water spot and didn't address the problem right away things could have been much worst. We could have been dealing with mold, and rot. Those things can lead to health issues, and so on.

Your Massachusetts home insurance policy covers many things. If you have a claim or what you think might be a claim make that call. Don't wait until it gets worse.
Your agent can provide guidance. If they can't WE can.
Thank you!!