Is this true about telephone inquiry and insurance company claims -

Here is a thread with people talking about getting penalized by their insurance company for simply for making an inquiry about a potential claim over the phone.

In summary:

Don’t ever call your insurance company to inquire about coverage for any claim. They will consider it a claim even if they didn’t pay you anything and you were just asking a question.

Never mention any problems you are having because later on they may use what you mentioned against you (e.g., asking about a water leak may later lead them to allege faulty maintenance on your part and be used to deny your claim).

If you really must call to inquire about a potential claim, do so anonymously. Pretend that you are a new customer who is shopping around for insurance.

Never file a claim for small amounts that you can afford to pay yourself. You will end up paying more than what you receive in subsequently higher premiums and may even become uninsurable. For example, some people with mold in their houses get dropped by the insurance company the year after they file their claim and can no longer find any insurance company that will accept them.