Fat Ox - Big Van: If I file a claim, will that make my rates go up?

Fat Ox - Mizani: Let's go to our next question.

Fat Ox - Big Van: Okay.

Fat Ox - Mizani: Okay. So this next question is, I'm concerned filing a claim will make my payments go up.

Fat Ox - Big Van: Oh, yeah, that's a good question. A lot of people ask that.

Fat Ox - Mizani: We get that a lot.

Fat Ox - Big Van: Yeah, we get that question a lot. Little plug for our company, we're called Fat Ox. We're public insurance adjusters, which means we represent the insurance, the homeowner or the insured, the property owner versus the insurance company sends out an adjuster who represents the insurance company. So we're looking out for your good. But that question is she's concerned. He's concerned that if they file a claim, will that make my rates go up? And that's a fair question. But the reality is, is what makes somebody's rates go up normally is when they become a higher risk. If somebody falls asleep smoking a cigarette, then they're they're a higher risk. But if hailstones fall out of the sky and damage your house, that's not anything you've done that doesn't usually normally make you a higher risk. So typically what makes somebody's rates go up is when they become a higher risk or if they're in an area that is more prone to damage. Maybe over the last couple of years, there's been a lot more storms than normal in this area. The insurance company may in that area caused the rates to go up. If you have a legitimate claim, I would definitely recommend that you file a claim for that. If it's legitimate and it's worth it as well of your deductible and not be concerned about your rates going up because if they do go up. You can find a company that will appreciate, especially if you file a claim like for a roof and they and they come and they pay for your roof and you get a new roof over your whole house. Now, any insurance company is going to look at that and say, oh, we're probably not going to have problems out of this roof for many years, 15 to 20 years. So you'd be a good customer for those insurance companies. Good question. I appreciate that.

Fat Ox - Mizani: Let's think about the fact that you've already paid so much money in the time that you've had this policy. Do you not deserve to be able to file a claim like you've been a committed customer and now you want to you're want to question that because you're afraid of your your amount going up?

Fat Ox - Big Van: Yeah, absolutely. That's a lot of that we hear is scare tactics a lot of times from insurance agents, believe it or not, a lot of times people will call their agent and say, hey, I think I have a problem. And then their agent says, well, you know, if you file a claim, it might make your rates go up. Or if you file a claim, they might drop you or whatever. And, you know, I don't know how every insurance company has with their agents, but a lot of times agents are the first line of defense against claims. So when you call, they're like, no, no, you don't want to file a claim. And that's not all agents. There's some agents that are great. My agent is a good, good agent. But we've heard stories of customers who call their agent and their agent quickly deter them. Don't hire a public adjuster, don't file a claim. I'll stuff like that. I don't know if maybe because that company is set up where that agent gets some kind of a ding or a penalty if claims are filed against them or something like that. But a good question. Yeah, that's a good question. I hope that was a good answer. I hope that helped you out. I appreciate that.