Phone answered 24/7 · Burnsville, MN and nearby communities

Call 24/7: (952) 522-6744
Minnesota River Dry-Out ProsWater Damage Help · Burnsville, MN

Can My Insurance Drop Me for Having Too Many Water Claims?

Last updated October 25, 2026

Call Now (952) 522-6744

The short answer

Why Water Claims Matter

Water damage is one of the most common and costly claims for homeowners. A single burst pipe or a slow leak can cause thousands of dollars in repairs. When you file a claim, your insurance company takes note. If you file several water claims over a few years, you may be seen as a higher risk.

The decision to drop you is not automatic. Insurers review your claim history at renewal time. They look at the frequency and severity of your claims. A few small claims might not trigger a drop, but repeated water losses can. Your insurer decides what is covered, and they also decide whether to renew your policy.

What You Can Do

You can take steps to reduce the chance of water damage in your home. Fix leaks promptly, install a water leak detection system, and know where your main shutoff valve is. If you live in Burnsville, keep your shutoff valve location written down. Regular maintenance, like checking your roof and gutters, can prevent many water issues.

If you have had a claim, consider having a professional inspect your home for hidden damage. Early detection can prevent a small leak from becoming a big problem. This can also show your insurer that you are proactive about protecting your home.

  • Fix dripping faucets and running toilets right away.
  • Check washing machine hoses for cracks or bulges.
  • Clean gutters and downspouts each season.
  • Install a water alarm in basements and crawlspaces.
  • Know how to shut off your water in an emergency.
  • Have your roof inspected after a major storm.

How to Handle a Non-Renewal

If your insurer decides not to renew your policy, you will get a notice in the mail. This notice explains the reason and the date your coverage ends. You have time to shop for a new policy, but you may face higher premiums or fewer options. Some insurers specialize in high-risk homes, but they often cost more.

Before you shop, gather your claim history and any receipts for repairs you have made. A record of proactive maintenance can help when you apply for new coverage. You can also ask your current insurer for a letter explaining why they did not renew. That letter can help you understand what to address.

Preventing Future Claims

The right way to avoid being dropped is to prevent water damage in the first place. Regular maintenance is key. In cold climates, be extra careful about frozen pipes in winter and ice dams on your roof. Insulate exposed pipes and keep your home warm even when away.

Check your sump pump and battery backup if you have a basement. Install a backwater valve to prevent sewer backups. Keep your gutters clear of leaves and debris. These simple steps can reduce the likelihood of a water claim and help you keep your insurance.

When to Call the Pros

If you have water damage, acting quickly can limit the extent of the problem. Standing water can soak into walls and floors, leading to mold and rot. The pros can extract water, dry out materials, and remove damaged flooring or drywall. They can also inspect for hidden moisture and help prevent future issues.

Calling in help early can also reduce the cost of repairs, since less material may need to be replaced. A thorough water damage inspection can catch problems you might miss. This can be a smart move before you file a claim, because it gives you a clear picture of what needs attention.

  • Extract standing water from basements and crawlspaces.
  • Remove water-damaged flooring and drywall.
  • Dry out carpets and upholstery to prevent mold.
  • Inspect for hidden moisture with specialized tools.
  • Repair pipe breaks and clean up after the mess.

Need help right now?

Call (952) 522-6744 any time, day or night, and describe what happened.

Call Now (952) 522-6744

Frequently asked questions

How many water claims can I file before being dropped?

There is no set number. Insurers look at your overall claim history, not just a single count. Two or three claims in a few years might be enough for some insurers to drop you, while others may renew. Your insurer decides what is covered.

Can I appeal a non-renewal decision?

You can contact your insurance company to ask for a review, but the final decision is theirs. You may also file a complaint with your state's insurance department. They can help you understand your rights, but they cannot force your insurer to renew.

Will my rates go up after a water claim?

Often, yes. A water claim can raise your premium at renewal. The increase depends on the size of the claim and your insurer's policies. Some insurers may not raise rates for a first small claim, but repeated claims can lead to higher costs or non-renewal.

Call Now (952) 522-6744