Outside of burning down, I don’t see how I would ever use my standard homeowners policy. After the deductible and future premium hikes (because now I have a clam in the past 5 years) is factored in, it’s better to just pay out of pocket in many cases. I had a roof put on last year. One of the roofers that came out was kind of sketchy and said he could get it covered on a hail claim. I turned it down but I would have only saved a few grand after the deductible by filing on insurance but then I’d have higher premiums, so it would be break even at best.