We’re sorry to hear your home was damaged in this storm, and we’re glad no one was hurt. This is an important question, and unfortunately, it’s one you need to answer as quickly as possible.
Weather events are less likely to trigger a rate adjustment than some other types of claims, like cases involving crime or flood damage. But major weather events and disasters can lead to everyone’s rates going up in that area, too. Hurricanes, wildfires, earthquakes, floods, and tornadoes can cause widespread damage that raises the rates of everyone affected.
If the damage is minor and you can afford to pay the damages out of pocket without being inconvenienced, it might be safer than potentially seeing your rates raised. But you’ll want to discuss this with your husband and your insurance provider, and explain you don’t want to file a claim unless you have to.