Have you ever "not" reported a claim to your Insurance Company because you did not want have your policy cancelled? Maybe you tried to read your policy and felt there was no coverage! In my opinion you should report the claim and let the insurance company make their decision. Most likely if you have to report your claim to an Insurance Agent they might deny it before it is presented to the carrier. In that case again my opinion would be to make sure the agent reports it to the actual insurance company.
Then if your claim is denied, have the carrier put it in writing, and post your story here on "Case Denied!"
Jeff
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