If your area was hit by a storm, the insurance company will petition the state board of insurance for a raise in rate based on projected losses. In short, your rate will go up simply because the storm hit. An insurance company cannot raise your rates personally, based on a claim. They raise rates in a region based on a storm (losses), not on claims. If you do not claim your rate it will raise anyway. It is also illegal to raise an individual’s insurance rate or cancel them based on an act of god or natural occurrence, such as a tornado, hurricane, hail or high winds.