Deck caught fire, contact insurance?
I had a minor fire on my deck last night. It could have been a lot worse if we hadn't caught it when we did. The deck is about 35 years old, doesn't meet current codes and needed to be rebuilt before the fire. Wondering if I should contact insurance about this or just leave well enough alone. This would be my first claim on my policy but I've only been in the house 2 years. Worried the insurance company will raise my rates if were to file a claim. I've heard you can be red flagged just by calling and asking about a claim. If I pay for the deck I wouldn't be able to afford to rebuild until next year at the earliest. I could do some temporary repairs but not sure if this is a very good idea either. Advice? Thanks Mike