Even though you are allowed to file a claim against your insurance policy, you should expect your homeowners insurance premium to increase as a result.  Research shows that your premiums may increase between 9% and 20% for each claim you file. In some cases, the insurance company may even drop you as a customer. You may still wind up saving money, even if your insurance company raises your premiums after covering a new roof. But if the premiums increase beyond what you can afford, start looking for a new policy.  If you’re not sure how to find a new homeowners insurance policy, try using Credit Karma. They partner with several different insurance companies so you can get multiple quotes.