Yeah like I said, it all depends on the company. Do NOT let them tell you that you need to start a claim to determine that, call Erie direct and explain the situation, if they cannot give u a answer on the phone, tell them you want an adjustor to come out to your house or you want to go to a drive in claims service for them to look at it. They DO NOT have to start a claim to determine that.
Your “ins guy” does not know shit, he only knows how to sell insurance. I love how when people dont like the companys decision they say, we’ll im going to call my agent… im thinking ok buddy, you do that all day long, he has no power at all over the adjustors. Its pretty funny actually. Agents are idiots.