Will My Homeowners Insurance Go Up if I File a Roof Claim?

Owning a home comes with its fair share of responsibilities, and one of them is maintaining your property, including your roof. But what happens when your roof is damaged, and you need to file a claim on your homeowners insurance? Many homeowners worry that making such a claim will lead to increased premiums.

When it’s time to get your roof repaired or replaced, don’t worry.

We’ll guide you through the process.

In this guide, we’ll explore whether your homeowners insurance rates will indeed go up if you file a roof claim and provide tips on how to navigate this situation.

Inside this blog:

  • A brief overview of the basics of homeowners insurance
  • 6 key factors for filing a roof claim and getting your roof repaired
  • Tips + tricks to minimize the impact on your premiums

Keep reading to become an empowered homeowner and learn everything you need to know about your homeowners insurance and roof claims!

Understanding the Basics of Homeowners Insurance 🏡

Before delving into the impact of roof claims, let’s establish some foundational knowledge about homeowners insurance. This will help you better grasp the context of how a roof claim may affect your policy and premiums.

What is Homeowners Insurance?

Homeowners insurance is a policy that provides financial protection in case of damage or loss to your home and its contents. It typically covers various perils, including fire, theft, and natural disasters.

How Does It Work?

When you purchase homeowners insurance, you pay regular premiums to the insurance company. In return, the insurer agrees to cover certain damages or losses according to the terms of your policy.

Deductibles and Coverage Limits

Homeowners insurance often includes deductibles, which are the amounts you must pay out of pocket before the insurance company kicks in. It also comes with coverage limits, specifying the maximum amount the insurer will pay for certain types of claims.

Now that we have a clear understanding of homeowners insurance, let’s move on to the main question: how does filing a roof claim affect your policy?

Filing a Roof Claim: The Impact on Your Premiums 📝

Filing a roof claim can indeed impact your homeowners insurance premiums, but the extent of the increase can vary based on several factors. Let’s break it down with 6 key factors:

1. Type of Damage


The nature and extent of the roof damage play a significant role in determining how much your premiums will increase. Minor repairs may have a smaller impact than major structural damage.

2. Claim Frequency

If this is your first roof claim, the impact on your premiums might be less than if you’ve filed multiple claims in a short period. Insurance companies may view frequent claims as a higher risk.

3. Your Insurance Provider

Different insurance companies have varying policies regarding rate increases after a claim. Some may be more lenient, while others might have stricter rules.

4. Your Deductible

The amount of your deductible can also influence how much your premiums go up. A higher deductible may lead to a smaller premium increase for your home insurance claims.

5. Local Weather Conditions

If your area is prone to severe weather, such as hail storms or hurricanes, your homeowners insurance company might raise premiums for everyone in the region, regardless of individual claims.

6. Your Claim History

Your personal insurance claim history, including previous roof claims, can affect the decision of your insurance company. A history of frequent claims may result in more substantial premium hikes.

Tips to Minimize the Impact on Your Premiums 💡


Filing insurance claims for your roof can be necessary to protect your home, but there are steps you can take to mitigate the potential premium increase. Here are some valuable tips:

  • Consider the Cost vs. Benefit: Before filing a roof claim, assess the damage and estimate the repair costs. If the damage is minimal and falls below your deductible, it might be more cost-effective to handle the repairs yourself.
  • Document the Damage: Take thorough photographs of the damage before making any repairs or contacting your insurance company. This documentation will serve as evidence during the claims process.
  • Get Multiple Quotes: Obtain estimates from several reputable roofing contractors. This can help you negotiate with your insurance company and ensure you receive fair compensation.
  • Review Your Policy: Understand the terms and coverage limits of your homeowners insurance policy. Knowing what’s covered and what’s not will help you make informed decisions.
  • Consult Your Insurance Agent: Talk to your insurance agent before filing a claim. They can provide guidance on the best course of action and help you understand the potential impact on your premiums.
  • Consider a Roof Inspection: Sometimes, it’s beneficial to hire a professional roof inspector to assess the damage and provide an unbiased opinion on whether a claim is necessary.
  • Choose the Right Contractor: If you do decide to file a claim, select a reputable roofing contractor who can complete the repairs efficiently and effectively. Avoid contractors who promise to cover your deductible, as this could be insurance fraud.

What to Expect After Filing a Roof Claim 📜

Once you’ve filed a roof claim, the insurance company will initiate the claims process. Here’s a step-by-step overview of what to expect:

  • Claim Investigation: The insurance company will assign an adjuster to assess the damage to your roof. They will review your documentation and may request additional information.
  • Estimate and Settlement: After assessing the damage, the adjuster will provide an estimate for the repair costs. Your insurance company will then determine the amount they are willing to pay, considering your deductible.
  • Repairs: With the settlement amount in hand, you can proceed with the roof repairs. Make sure to hire a reputable contractor and keep all receipts and records of the work done.
  • Premium Adjustments: Your insurance premiums may be adjusted based on the claim. You will typically receive a notice from your insurance company informing you of any changes to your premiums.
  • Continued Coverage: Despite the premium increase, your homeowners insurance will continue to provide coverage for other perils as specified in your policy.

Be an Empowered Homeowner & Make Informed Decisions

Filing a roof claim can be a necessary step to protect your home and assets, but it’s essential to understand the potential impact on your homeowners insurance premiums. By following the tips provided in this guide and making informed decisions, you can minimize the financial consequences of a roof claim while ensuring the safety and integrity of your home. Remember, each situation is unique, so consult with your insurance agent for personalized guidance.

Navigating the world of homeowners insurance can be daunting, but with the right knowledge and preparation, you can protect your home without breaking the bank.

Get in touch with our team of expert contractors at Kitsap Roof Pros today. We’ll answer all your questions and kick off your next roofing project with a free estimate!