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The following article was published in our article directory on December 31, 2012.
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Unaffordable Premium and Rejected Claims on Texas Insurance

Article Category: Advice

Author Name: Jim

Too high premium and rejected claims are two unwanted scenarios of people when it comes to insurance. If you are availing Texas insurance for your home, you may want to know what causes unaffordable premium and rejected claims.

Dogs

How the insurance industry works is heavily dependent on studies and surveys. For instance, the number of teenagers and adults involved in a car accident caused the premium for the young driver insurance to go up. At present, your dog may also be causing the increase of your home insurance s premium. Over 16,000 claims for dog bite were filed in the United States in 2011. As a result, the insurance companies picked dog breeds that make you a high risk for the company.

While there are specific dog breeds that increase home insurance premium, you must still put your pet on leash if you know it is aggressive. A bite case and filing a claim for it may still increase your individual policy.

Playground at the Backyard

As parents, it is understandable how much you want to build that playground. You may want to put a swing or trampoline. Unfortunately, they could also increase your Texas insurance premium as they are known to cause injuries like slips and falls. Injuries can also be caused by lack of maintenance of the driveways, sidewalks and steps.

Swimming Pool

If your pool is attached to your home, it is covered by the policy accordingly. If it is detached, the type of pool you have will be subjected to limits. It is also worth noting that slides are not much of a big deal to insurance companies but diving boards are. In fact, many Texas insurance companies avoid insuring pools that have a diving board.

Home Remodeling

Home remodeling is exciting but it does something to your home insurance. Normally, adding a deck must be reported to your insurance company. A deck that is attached to the home is basically part of the structure and is automatically covered. However, the insurance companies still have to know especially if you want to get the right coverage.

In addition, the remodeler may also cause the premium to increase. That s when the contractor does not have liability and/or worker s compensation insurance. Without at least one of them, your home insurance will be used to cover for damages or injuries if something happens. As a basic rule, a claim increases the premium.

Your Status and Tweet

Many condemn how people share everything on social networking sites like Facebook. If you post something about the recent incident at home that also made you file a claim, note that your insurer might check your profile and statuses. While not all insurance companies do it at present, there are a few companies that have checked their policy holder s Facebook and Twitter account to investigate a suspicious claim. What you say on Facebook that s contradicting your insurance claim may be used against you.

There are lots of things that could make your Texas insurance premium go up or invalidate your claim. These are just some of them.

Keywords: Texas Home Insurance, Texas Flood Insurance, Renters Insurance in Texas, Texas Renters Insurance, Texas Insurance

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