This is probably the most frequently asked question. If you feel that is damage to your home due to a storm you should absolutely put a claim in. The premiums you pay are for scenarios exactly like the circumstances brought on by severe weather. Most likely the rate will go up regardless of whether or not you personally file a claim. Rates are typically created by zip code, so if a storm, tornado, hail or wind blow through your neighborhood, then it is considered an “Act of God” and they raise rates in your area as a whole.