Homeowners Claim

Your new insurance carrier would be the company you file this claim with. Since there was no active claim with your old company, they would not open an investigation past your policy expiration date.

I'm sorry that you're experiencing this. I would get two things done.

If your son has coverage for this, he should still be able to file a claim, however each company has their own set of rules and guidelines. Depending on his deductible and how much he settled for, he might realize that filing a claim is not worth the premium increase.

I would recommend waiting for the logistics company to pay for it. If you file a claim through your carrier, it may take a while for them to retrieve the money owed to you, and you will now have a claim on your homeowners insurance record.

Typically, an insurer would prefer to handle any and all damage incurred as to avoid any unnecessary future risks of property damage or bodily injury caused by the damaged structure. This is a claims-related question that would be uniquely handled by the claims department of your insurance provider.

Hopefully, you will not need to file a claim, but insurance will follow the effective date. If your policy takes effect January 1st, 2020, then that is the first date that a claim would be honored.

If you were not paid out, a canceled claim should not have an effect on your premium. Database systems used for cataloging claims history can sometimes confuse this, however.

Your insurance company is likely going to pay for debris removal. Removing certain things while doing so may come with additional cost and typically insurance is not going to allow that.

Thanks for the question. If the claim was never paid out, you don't really need to mark it down as an accident.

This entirely depends on the date of the loss, i.e. when the home burglary happened.