Does Filing A Claim Increase Home Insurance? 
Short answer , maybe . Different insurance companies have different policies regarding claims surcharges . Some companies will surcharge for each claim . Some will surcharge for only non-weather related claims . Some surcharge following claims payment exceeding a specific threshold . And some have a forgiveness period based on how long you have been with them before they will assess a surcharge at all . This is a great question to ask when you are shopping for homeowners insurance . And because insurance companies ' change their procedures , it also important to review your policies periodically with your insurance professional . 