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Will my rates go up because of storm damage?
I had to file a claim on my homeowner's insurance because of a storm. I'm worried it will affect my premiums. Do storm damage claims change your rates?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It’s a common worry that your insurance will increase after filing a claim, so you’re not alone!
That said,
filing a claim
after a storm doesn’t necessarily mean you will see an increase in rates. It often depends on your insurance company. Each company has its own standards for rating policies and claims. Some companies may not increase your rates after submitting a claim, while some may if the payout is significant.
Additionally, if many people in your area are also filing claims, the rates in your area could go up. Insurance rates are calculated based on your personal factors and where you live. If insurance companies see an increase in claim submissions, they may need to raise rates to ensure they can cover all policyholders’ claims.
In this situation, the best thing you can do is reach out to your insurance company. An agent may be able to give you an idea of what your rate may be.
You should also
shop around
! Rates vary, so you may be able to find a lower rate with another company even after filing a claim. If you’d like help finding cheap home and auto insurance, try the
Jerry
app. Jerry finds you the best rate for all your insurance needs and delivers the best deals to your phone in minutes for free.” View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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