[TowerTalk] INSURANCE CLAIMS

[T. A. Russell]

Insurance companies are especially sensitive to NUMBER of
claims rather than amount of the claim.   Repeated claims get
their attention FAST.  If they give you the option of renewing 
with a higher deductible, consider yourself  fortunate.

Many, including S.F. , are advising policy holders to find
coverage elsewhere after multiple claims, especially in areas
where there is frequent natural damage.

It is probably wise to carry a HIGH deductible and self insure
for the small stuff.  

Once you have been cancelled or had your renewal declined,
it is MUCH harder to find new coverage.


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