Will Filing a Claim Raise Your Rates or Get You Dropped?

Worried that filing a homeowner’s insurance claim for your roof damage might raise your premiums or get you dropped?

The short answer is, it depends—on your insurer, the type of claim, your claim history, and state regulations. We’ve created this helpful guide to break down how insurance companies typically handle claims and how we can assist you every step of the way.

At NANOROOF™ Alabama, we not only restore roofs—we’re also insurance experts who can guide you through the claims process and help you make the best decision for your home. Keep reading to learn more about how the claims process works and what to keep in mind when thinking about filing a claim. ⬇️

Will Your Insurance Rates Go Up If You File a Claim?

Homeowners insurance premiums are based on risk, and if your insurer sees you as a higher-risk policyholder, they may increase your rates. However, rates can increase anyway if your property’s location experiences more severe weather, so don’t let the threat of higher premiums stop you from filing a claim if you need to.

When it comes to insurance rates rising, here’s what to keep in mind:

• ⛈️ The Type of Claim Matters

• Catastrophic events (hail, wind, tornadoes) may not raise your rates as much as liability claims (injuries on your property, dog bites, etc.).

• Repeated water damage or mold claims tend to be red flags for insurers.
  

• 📈 Your Claim History Counts

• One claim may not significantly impact your rates, but multiple claims within a few years can make a big difference.

• Insurers track claims using databases which can record claims for up to 7 years - this is why it’s important to only file a claim when you really need to.
  

• 📍 Your Location Affects Risk

• If you live in an area prone to severe weather, everyone’s rates may rise, even if you haven’t filed a claim.

When Should You File a Claim?

If the damage is minor and the repair cost is close to your deductible, it might be smarter to pay out-of-pocket rather than risk a premium increase. However, for major roof damage, filing a claim is often the best move. If you’re unsure, NANOROOF™ Alabama offers free roof assessments to help you decide if filing a claim is worth it. And, our team will help you with the claims process and make sure you have everything squared away to get the most you can out of the claim. 

Should you need to pay out of pocket, NANOROOF™ Alabama offers financing options to help you cover the cost as well as a more budget-friendly roof preservation alternative to roof replacement (if the damage is minor).

For more information on how to file a claim, check out our step-by-step guide here.

Can Your Insurance Drop You for Filing a Claim?

While it’s uncommon for a single claim to get you dropped, certain situations do increase the risk:

• Filing multiple claims in a short time (especially for preventable issues like leaks or neglected maintenance).

• Having an older roof—Many insurance companies stop offering full replacement cost coverage (RCV) once a roof reaches 10-15 years old, switching to actual cash value (ACV) instead. See How Roof Preservation Could Help Your Policy 

• High-risk claims—Liability claims, repeated water damage claims, or fire damage could make your insurer reconsider your policy.

How NANOROOF™ Alabama Can Help Protect Your Roof & Your Policy

• Free Roof Assessments – We inspect your roof and provide a detailed report so you can make an informed decision before filing a claim.

• Insurance Claim Assistance – We guide you through the claims process, helping you document damage properly and communicate effectively with your insurer.

• Roof Preservation Options – If your roof is aging but not ready for replacement, our NANOROOF™ Sealant SPS can extend its lifespan 10-15 years at a fraction of the cost of replacement. A well-maintained roof may help keep your insurance coverage at full replacement cost value (RCV). See Which Roofing Material is Right for You

• Roof Repairs & Replacements - If your roof has more severe damage and needs repairs or a replacement, our team will present you with all of your options so you can decide what makes the most sense for your home and budget, whether your roof is asphalt or metal. We proudly use and stand by Atlas shingles, known for their durability and curb appeal.

Should You File a Claim? What if Your Claim is Denied?

Filing a claim is sometimes necessary, but know that if you do file a claim the rates might not rise as much as you think if the damage is due to severe weather. Before you take the steps to file, it’s important to get your roof inspected to know for sure the extent of your roof damage. Professional roofing contractors like NANOROOF™ Alabama can help you by assessing your roof, gathering photo evidence of the damage, speeding up the claims process, and save you money in the long run!

If your claim is denied, don’t worry. There other additional steps you can take and other options you can explore - check out our guide on What to Do if Your Homeowner’s Insurance Claim is Denied.

Unsure about your roof’s condition or whether filing a claim is the best option? Let our team at NANOROOF™ Alabama help! We are locally-operated, family-owned, BBB-accredited, and top-rated - we truly do care about Covering What Matters Most.

📞 Have insurance questions? Need a FREE roof assessment? Call us today - let’s make sure your home is covered the right way.