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Will my insurance premium go up after a big hailstorm, despite not filing a claim?
A hailstorm hit my neighborhood a while ago. Since then, many of my neighbors have filed insurance claims. My house suffered some damage, but I don't want to file a claim because I don't want my insurance to go up. Even if I don't file a claim, will my premium increase anyway because so many of my neighbors have filed claims to have their homes repaired?
Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In this type of catastrophic-loss situation, the insurance company will have adjusters sent out to the area where the loss occurred (even if you didn’t call them) to check on the homes they insure that might have been impacted. Even if there isn’t significant damage to your home, the insurance company may still record a $0 paid loss because there was a hailstorm in the area. The good news is, a catastrophic loss will not have as much impact on your insurance as a claim where only your home was affected.
These are things that we cannot control and these “”acts of God”” — including hailstorms, earthquakes, and floods — are the reason your insurance is there to help. If you are in an area where weather-related losses occur on a regular basis, your insurance has typically already been rated for that, so you will most likely not see a significant increase in your premium if your home insurance didn’t pay to fix the claim.
However, if it was an unusual year where there were more losses than the insurance company anticipated, then yes, you may have more of a premium increase than expected.
“
View full answer
- Gregory R.
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