This came from a reader and you can read it here.
Answer: Yes. If you have a low deductible, you may think you should file smaller claims. However, as discussed in this article from United Policyholders, there is a phenomenon known as “use it and lose it.” Basically, if you file a claim, your homeowners insurance may cancel you. So, yes, it can be a bad idea to file a claim, especially a smaller claim.