Roofer FAQ: Will My Rates Go Up After Filing a Claim?

This is probably the most common question we get. 

'Will my insurance rates go up after I file a claim?'

The short answer is no.

A claim regarding a storm is deemed an 'act-of-nature' claim. You couldn't do anything about it to prevent it. Your rates cannot be raised based on these kinds of claims.

If you were to leave the faucet running and flood your home, that would be your fault. You would need to file an 'at-fault' claim. And your rate may raise.

If enough people in a zip code file 'act-of-nature' claims, everyone's rate may raise for a short period of time.

After a storm, you should have your property evaluated to see if you have damage. If you do, it is in your best interest to file a claim. At the end of the day, that is why you have insurance on your property.