Reframe01
“A weather claim is not an at-fault claim. Ask your agent that exact question before you decide.”
Objection Library
Storm · kitchen table · hail 3 weeks ago · quoted $19,200 · she has never filed a claim before
“I don't want to file a claim. My rates will go up.”
The claim-rate fear
01What she means
She thinks one claim marks her file forever, the way a speeding ticket does.
Nobody has told her that a single weather claim rarely moves her premium the way an at-fault claim does.
She is protecting a number she has never actually checked with her own carrier.
02Why reps fold
The rep is not licensed to talk insurance, so he goes quiet instead of correcting a fact she got wrong.
He assumes any answer here counts as advice, so he leaves the fear standing.
She walks away believing the roof and her rate are the same decision, and they are not.
03The words that hold
3 answers, each under 25 words, so you can carry one in.
Question back02
“If your agent confirms it won't raise your rate, does the deductible become the only real number?”
Close03
“Call your agent now, on speaker, and ask that one question. I'll wait outside.”
Say all 3 out loud once, right now, before you read the next part. The one you can say without reading it is the one you own.
04Where this one usually breaks
Break Point
“Don't worry, filing never raises your rate.”
You promised a carrier outcome you don't control, and now you own it if she's wrong.
When you hold, she says
“Fine. Let me call and ask him myself.”
That is the whole celebration. She stops arguing and starts asking what you need from her.
You have read the words. She has not heard you say them yet.
In the Drill, the homeowner opens with this exact line, pushes back on whatever you actually said, and you get a Grade with your own losing sentence quoted back.
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