MYTH BUSTING: Storm Claims Don’t Actually Raise Your Premiums

Many homeowners worry that opening an insurance claim will cause their premiums to rise. That fear often holds people back from getting the full value out of their homeowner’s policy.

But here’s the truth: insurance companies don’t raise premiums based on individual claims from storm damage. Instead, they typically raise rates for everyone in a storm-affected zip code.

That means even if you decide not to file a claim and skip a roof replacement, your premiums could still go up simply because your home is located in the impacted area.

So, if you’re already facing a potential rate increase, why not make sure you also get a brand-new roof out of it?

If premium hikes are your concern, call me. I’ll walk you through the process, help you feel comfortable about filing a claim, and make sure you get the roof you need—without the stress.