While residential insurance policies exist to help minimize the financial impact of damage to homes, some incidents don’t quite warrant a claim. Published on March 18, 2015 in Before filing a small claim, advise homeowners to contact an agentFull resolution (360 × 500) While residential insurance policies exist to help minimize the financial impact of damage to homes, some incidents don’t quite warrant a claim. While residential insurance policies exist to help minimize the financial impact of damage to homes, some incidents don’t quite warrant a claim.