That is why in my office, we want to walk you through any insurance claims you may be reporting directly to an insurance company on their 1-800-number. What if 4 sections of fencing blew down and it cost you $1,300 to get it fixed? You have a $500 deductible, so you would end up getting a check for $800 (Or $300 if you have a $1,000 deductible). Claims should always be for the larger stuff that happens to your property, not 4 sections of fence blowing down.
And if your insurance policy has 3 claims on it, any new insurance company wants to see the claim report (C.L.U.E.). That tells them the whole story but not always. We’ve been successful in getting insurance companies to then raise that deductible to $2,500 or $5,000 until the insured has had 3 years or so of claim free activity. Then we can help the insured get back to a more manageable deductible but still have the home or rental property insured.