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Does a hail damage claim increase your home insurance?
We had a bad hail storm last week that broke a few of our windows and damaged our roof. We’re considering submitting a claim to our home insurance since there was considerable damage. However, we are nervous our home insurance will go up. Will a hail damage claim increase our home insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the hail damage! Submitting a hail damage claim, or any other
covered peril
claim, can increase your home insurance. While the damage may be considerable, you become a higher risk to an insurance company after submitting a claim. Since insurance is risk-based, your insurance company assumes you’re more likely to submit a claim in the future. Because of this, they often will raise your premium to offset any future claims.
That said, submitting a claim doesn’t always increase your rate. If this is your first time submitting a claim, you may not see a rate increase. Additionally, if you see an increase, it doesn’t mean every provider will charge you the same rate.
Rates and coverage vary from company to company. If you see a rate increase after submitting a claim, shop around. You may be able to find similar coverage for a lower rate elsewhere.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from top insurance companies, like Berkshire, State Auto, Safeco, and Travelers, in seconds. They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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