1. Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    How much your rate can be effected by a claim depends partially on how the carrier surcharges. Also the type of claim is a factor. Claims like liability, fire and theft rate much higher then wind and water. In many cases you may see no change at all while other could be hundreds of dollars. Also even if there is no charge for the claim many homeowners may be receiving a claim fee discount that would no longer apply so this would effect your rate.
    Answered on October 10, 2013
  2. 170 POINTS
    Katherine Hood
    Agent, Hood Agency, Alaska
    Great question.  I believe everyone should have an agent they can all and discuss options on filling or not filling a claim the 1800 numbers will not discuss this with you.  First if there is a large loss, a fire for instance there is no question a claim needs to be filled.  If the damages for what your considering filling a claim are less than five thousand dollars you should contact your insurance agent and discuss your options.  One aspect that will determine the amount your insurance will go up after a claim is how long you've been with a company, if you've been with them (loyal) five years or greater likely your rates will not go up much if at all, this of course is with the premium carriers.  If you shop and hop insurance companies often I am afraid the rates will be very high.  There are rewards to staying with a carrier.
    Answered on April 18, 2014

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