Will filing a roof claim make my homeowner’s insurance premiums increase?

“Will filing a roof claim make my homeowner’s insurance premiums increase?” This is a very common concern. In most cases, a claim filed due to an Act of God (widespread storm, hail, wind, etc.) will not cause an individual premium increase. Insurance companies generally raise rates on a regional basis following widespread storm events, affecting everyone in the area regardless of whether they filed a claim. Not filing a legitimate claim out of fear could leave you with a damaged, leaky roof and no coverage when you need it most.

In-actuality, the main negative impact affecting Tampa homeowners is unwarranted claims. Roofing contractors across Florida have a history of pursuing unwarranted claims due to legislation that made insurance companies pay regardless of the damage. These policies have changed leaving homeowners across Florida vulnerable to denied claims or astronomical legal fees.