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Message: <blockquote data-quote="GlockPride" data-source="post: 4003353" data-attributes="member: 12153">Not really a scam.  Most home owner policies carry a 1% deductible. However, depending on one’s willingness to pay monthly amounts, that can be adjusted.  Insurance is NOT for something like this incident in most people’s world.  Insurance SHOULD be used for the fire that completely guys your place, the tornado that rips off your roof or the busted water heater that inadvertently floods your house doing $10’s of thousands of dollars in damage.   I would not use my insurance for what is deemed a “temporary, above-ground, non-asset home effect”.Filing a claim for “every little thing” and not taking on some financial responsibility makes you a higher risk customer, thus raising the rates.</blockquote>