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LOUISVILLE, Ky. (WDRB) -- Insurance is supposed to protect us when something goes wrong, and we need to make a claim.

But some people these days claim their insurance was dropped after they made a claim.

A woman recently bought all new appliances for her home and received something in the mail about her "overall claim activity."

Over 25 years, her insurer paid out less than $10,000 for damage from a busted pipe in her bathroom.

She recently made a second claim for a new roof after a storm, and it was denied.

Recently, officials are saying credit scores can affect your insurance rates and even if a company decides to insure you.

Your score can't be the sole reason for an insurance company's decision, but combined with recent claims, a low score could leave you with no coverage.

If you are dropped out of the blue, be sure to appeal it with your insurer and the state insurance board, so you don't waste your money.

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