In misc.consumers.house v wrote:
On Tue, 28 Sep 2004 01:57:15 -0500, someone wrote:

As has been discussed before, even talking with your insurance agent will
require him to register your conversation in a database used to raise
your premium. If you see your insurance agent walking down a street,
divert your eyes, walk in a different direction, and don't let him see
you.

I think that's crap in a case like this.

Nope. Get a CLUE.

http://oci.wi.gov/pub_list/pi-207.htm

"C.L.U.E. reports indicate losses by type. Consumers should be aware that
contacting their company or their agent to discuss an actual loss might be
considered reporting a claim, even if the company does not end up making a
claim payment. This is because when a loss occurs, the policy requires the
company to take specific actions within specified time frames. Consumers
should be specific as to whether they are filing a claim or only making an
inquiry."

http://www.realestatejournal.com/buy...814-spors.html

"Many home insurers count inquiry calls -- calls in which homeowners simply
ask informally whether their policy will cover certain damages and are told
that it won't -- as unpaid losses."