Join Date: Sep 2009
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If the chips are down, the buffalo is empty.
would it mess up a claim with the insurance if we had a local estimate done first to make sure it's over the cost of the deductible?
No, it won't. I would not inform the insurance until you have had a couple estimates done to see what you are really looking at in terms of repairs needed etc.
You will want to know what coverage you have, and what the estimated cost of repair is before you do anything else. Filing a claim is likely to make your rates rise, and it also may to make it harder for you to insure in the near future if you want to change companies. These are all things you need to consider.