Comments on: Does Your Home Insurance Premiums Go Up If You File A Claim?

By: dannyhaw

dannyhaw — Thu, 12 Nov 2009 18:16:11 +0000

Call an roofer first, get an estimate to fix it, and then have call and make the claim. If ypou wait too long, the roof may cave in, and you will have to put up a skylight to fix the hole..

By: Michael F

Michael F — Thu, 12 Nov 2009 18:16:11 +0000

The ins. companies say no, but a year ago we had a major ice storm in where my house is and I had the Ins. company look at it after a neighbor had to have his roof repaired… I had never had a claim on the ins. and there was no damage, but the next year my homeowners ins. went up 50 PERCENT.

By: johnatha

johnatha — Thu, 12 Nov 2009 18:16:11 +0000

It depends on the type of policy you have, the dollar amount of the claim, and sometimes state law kicks in too. She should at least call Farmers and ask what the effect of a claim on her rates would be. Nothing says she has to make the claim, after all.
She needs to remember that her claims history is only part of her risk profile, too. Credit rating, driving record, and other things also figure in.

By: Bill

Bill — Thu, 12 Nov 2009 18:16:11 +0000

Her fear is well founded. The question is whether the leaks are actually from storm damage or is the roof just old and defective.

By: Logo Design

Logo Design — Thu, 12 Nov 2009 18:16:11 +0000

It is not necessarily so that your rate will go up. Do you have an estimate for repairs? What is her deductible. If there is a very little difference just pay it out of pocket. If it is significant, file a claim. However, a roof leak, unless it was caused by a storm may not be covered. Be sure to check the coverage and exclusions of your policy. Your agent can/should help you with this. No harm in asking. Farmers is a reputable company.

By: United States Adjusters

United States Adjusters — Thu, 12 Nov 2009 18:16:10 +0000

most homeowners policies cover for weight of snow and ice. if the rood was in good repair before the storm, its covered and they will pay. it will not automaticaly make her rates increase. has she ever made a claim on her home policy before? home policies tend to go up after more than just 1 claim depending on how much is paid out.

By: Logo Design

Logo Design — Thu, 12 Nov 2009 18:16:10 +0000

in most small issues like this one it is cheaper to fix it on your own rather than making an insurance claim. because by the time you pay the deductible and the premium raise you already paid for the job to be done. so i suggest fixing the roof out of your own money without an insurance claim

By: Halloween costumes ideas

Halloween costumes ideas — Thu, 12 Nov 2009 18:16:08 +0000

Well, is she waiting until the roof rots away completely and collapses, or is she going to put a new roof on?
“Winter weather” doesn’t make roofs leak. Winter weather is called, “Normal wear and tear”. If it’s time for a new roof, it’s time for a new roof. The insurance company only pays for sudden and accidental damage, like a tree blowing down on your roof, or hail damage, or collapse caused by weight of ice and snow (if there’s no rot underneath), or ice dams. But it’s up to HER to maintain the roof.
Most of the time, her rates WILL go up if she files a claim. But if they don’t pay because it’s a maintenace issue, not only will they not pay, but, they’ll require her to fix/replace the roof.