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Knowing when you should (and shouldn't) file a homeowner's insurance claim can save you from difficulties down the road. There are several scenarios and other considerations to keep in mind in order to avoid higher insurance rates, or in some extreme cases, getting dropped by your insurance provider altogether.   I think that most folks find that it's generally unfair that you have to take pause before you pick up the phone to call your insurance company when you have an accident in the home that should be covered. What we have to keep in mind is that insurance companies are in the business of doing business. In other words, they aren't going to take a loss when they can recover in some other way. Many times, recovering what an insurance company pays out equates to higher premiums for the insured.   I'm not an insurance agent. I don't have formal training on all of the intricacies of the insurance industry. However, I have thoroughly researched this subject, and I felt that it was necessary to share with you