It’s one of the most common questions we hear from homeowners.
The short answer is: no- they can’t drop you. But they can choose not to renew your policy when it comes due.
Filing a homeowner’s insurance claim can trigger a closer look at your property and risk profile, and under certain circumstances, it could lead to higher premiums, policy non-renewal, or even cancellation. But that doesn’t mean you should automatically avoid filing a legitimate claim—you just need to be strategic about how you go about it.
As a licensed Public Insurance Adjuster, I’ve helped countless homeowners in Florida navigate this exact dilemma. Here’s what you need to know before calling your insurance company—and why speaking to a Public Adjuster first can make all the difference.
Can My Insurance Company Cancel My Policy for Filing a Claim?
Technically, insurance companies can choose not to renew your policy. So while filing legitimate claims won’t automatically get you dropped, it can flag you as a higher risk—especially if your insurer is already looking for ways to reduce exposure in high-risk areas (like Florida). Our best advice is to use the policy when it makes financial sense. It’s important that your claims are successful.
When You Shouldn’t File a Claim
There are certain scenarios where filing a claim may not be in your best interest:
- The damage is minor and costs less than your deductible
- The claim is likely to be denied due to lack of coverage
- The claim is well documented and defensible, making it difficult to compel the insurance company to pay for it.
Filing a claim that is denied still counts against you in many insurance databases. That means you could face premium hikes—or worse—even if you never receive a dime in compensation.
Why You Should Call a Public Adjuster Before You Call Your Insurance Company
One of the biggest mistakes homeowners make is calling their insurance company too soon. Once you report a claim, it’s officially on record—even if you later change your mind. That’s why it’s so important to get expert advice first.
A Public Insurance Adjuster works for you, not the insurance company. We’ll review the damage, help determine if your claim is valid and strong and give you an honest assessment of whether it makes sense to move forward.
Here’s how we help:
✅ Evaluate whether your damage meets the threshold for a worthwhile claim
✅ Identify any coverage gaps or potential denial issues ahead of time
✅ Handle the documentation, estimates, and claim submission process
✅ Advocate for your full and fair payout—so you’re not underpaid or denied
We act as your licensed representative throughout the claim, keeping your best interests front and center. This reduces the chances of filing a weak or unnecessary claim that could hurt your standing with your insurer.
What If I Already Filed a Claim?
If you’ve already filed a claim and you’re worried about the impact, you’re not out of options. A Public Adjuster can still step in to:
- Review your claim to ensure it was filed correctly
- Help you contest a lowball offer or wrongful denial
- Provide support if your insurer is threatening cancellation or non-renewal
We also help homeowners prepare for potential issues with future coverage—so you’re not left scrambling to find a new policy last-minute.
Final Thoughts: Be Strategic, Not Scared
It’s true that filing a homeowner’s insurance claim can carry consequences—but that doesn’t mean you should be afraid to use your policy when you genuinely need it. The key is knowing when and how to file.
By consulting a Public Insurance Adjuster before contacting your insurance company, you can avoid costly mistakes, protect your coverage, and make sure you’re positioned for the best possible outcome.
Need Expert Advice on a Potential Claim?
If you’re dealing with property damage and aren’t sure what to do next, don’t go it alone. Contact David Kanter Public Insurance Adjuster for a free, no-obligation consultation. We’ll review your situation and help you make the smartest move—before you risk your coverage.
📞 Call us today or fill out our online form to get started.