Landlord insurance - when to make a claim?

[Account Closed]

I have potential damage ($4k) now on a unit (no fault to me) and started a claim bc I need the damage repaired as soon as possible.  My deductible is $1k. I have since reconsidered doing this as it would increase my premiums (originally I was told by well meaning friends that since it wasnt my fault, it shouldn’t affect my premiums). Should I make the claim? Or cancel it. I have a no claim history. 

Also if you could share your strategy when it comes to insurance? Pick a high deductible and just treat it as catastrophic protection?

[Russell Brazil]

When you file a claim typically your rates will increase by about 25% on a non cat. So do the math.

Also, you want to avoid having 2 claims in a 3 year period. Thats the magic number for most insurances to nonrenew your policy, as well as make it very difficult for you to find a new policy.