Will my homeowners insurance rates rise if I make a claim?

Answered by Home Insurance, Car Insurance Expert Savannah on January 15, 2021

There's some minor damage to my roof and I'm debating whether to make a claim on it. Will a claim cause my rates to rise?

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Savannah

Home Insurance, Car Insurance Expert

Some carriers do offer small-claims forgiveness, but in most cases you will see your rates go up after making a claim on your home insurance. Most of the time, this is also partially due to the loss of a claims-free discount. Typically, if a claim reaches or surpasses a specific value, then the price of the insurance will rise further. The larger the claim, the larger the increase.


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