Oh goody, State Farm story time.
Some shit-for-brains tried to kick in our front door last year; his attack cracked the door frame up through the second hinge, split the other side of the door frame near the strikeplate, and caused the door’s laminated layers to separate. After reviewing our claim (electronically – no one ever came out to actually see the extent of damage to the frame), State Farm determined that the cost to repair the door and frame would be just under $1000, which happened to be our deductible. :mad: (And since the shit-for-brains was a juvenile, he basically got away with it – no financial compensation there.)
And yes, it’s always good to avoid tiny claims – I can remember my parents discussing what to do about the freezer full of food we lost after Hurricane Fran. They ended up not filing a claim on that.