How Your Claims History Affects Your Relationship with an Insurance Company in Brossard

Your claims history often says more about you than the amount of your premium. Every claim you file — whether for theft, water damage, or a broken window — shapes how your insurance company in Brossard perceives you. For both new homeowners and long-time policyholders, understanding this impact is key to maintaining a strong and beneficial relationship with your insurer.

A Record That Reflects Behavior in the Eyes of the Insurer

Each claim you make is recorded in a central database accessible to insurance companies. This file is reviewed whenever you renew your policy or request a new quote, directly influencing both your premium and sometimes even your eligibility for coverage.

An insurance company in Brossard will assess the frequency and nature of your claims. Several minor incidents within a short period may signal higher risk, even if the total value of damages remains low. Groupe Lanthier Assurances helps clients analyze their file before submitting a new claim to prevent unnecessary reports from negatively affecting their profile.

When and How to Report a Claim Without Weakening Your Coverage

Filing a report doesn’t always mean you need to make a formal claim. Some minor damages can be handled without involving your insurance company in Brossard, especially if the repair cost is lower than your deductible.

Groupe Lanthier Assurances often recommends consulting a representative before making an official declaration. This step helps determine whether the situation truly warrants a claim and clarifies the potential impact on your future premiums. Such prudence avoids unnecessary reporting and preserves a healthy relationship with your insurer.

The Value of Transparency and Ongoing Communication

Maintaining open communication with your insurance company in Brossard builds trust. Notifying your insurer about renovations, the installation of an alarm system, or family changes helps keep your policy aligned with your current reality.

Groupe Lanthier Assurances emphasizes the importance of ongoing dialogue: an informed insurer is more likely to offer favorable adjustments, even if multiple claims have been filed in the past.

Prevention: The Smartest Long-Term Strategy

Reducing claims starts with prevention. Good insulation, water leak detectors, and regular roof or electrical inspections can greatly lower risks. Demonstrating proactive maintenance strengthens your profile with your insurance company.

Advisors at Groupe Lanthier Assurances guide clients through this process, identifying potential weak points in the home to prevent small issues from turning into costly claims.

To assess your file and learn how to improve your relationship with your insurance company in Brossard, contact Groupe Lanthier Assurances today for personalized guidance.

FAQ’s

How does my claims history affect my insurance premium?

The more claims you file, the riskier your profile appears. An insurance company in Brossard may raise your premium or restrict certain coverages.

How long does a claim stay on record?

On average, a claim remains visible for about six years. Groupe Lanthier Assurances helps interpret this data before renewing your policy.

Can I withdraw a claim after submitting it?

Yes — as long as no payment has been issued. However, some insurance companies in Brossard still record the declaration, even without compensation.

Can I switch insurance companies in Brossard if I have a long claims history?

Yes, but transparency is essential. Groupe Lanthier Assurances works with multiple insurers and can find suitable options, even with previous claims.

What simple steps can reduce the risk of claims?

Installing an alarm system, maintaining your roof, and insulating pipes before winter are effective ways to prevent damage.