If we are in your neighborhood, it is because a storm has hit your area.  You’ll probably see a lot of your neighbors getting roofs.  For this type of claim, rates are set on a zip code wide basis, so when all your neighbor’s get a roof, the rates in your zip code as a whole will go up.  Your rate will most likely be going up, but it’s regardless of whether you file a claim individually for your house, so you might as well file a claim as well and try to get a new roof out of the deal.