What Happens When You File A Home Insurance Claim? 
There are many companies out there and each one of them can treat a claim differently if you are asking will my rate go up . There are different types of claims that can trigger an automatic rate increase on renewal with most companies such as a water Claim -LRB- non flood -RRB- , a theft or a fire . Many companies do not increase premium if the claim is below a certain amount or threshold but you must check with your agent and carrier to be sure . Weather claims in many cases do not trigger increase in premiums but you must check with your agent and company . If you have a weather event and you are not sure if you have damage many roof and siding companies will come out and give you a free bid before you decide to call in the claim . Call your agent and discuss with them thescenarioand get advice so you can make a sound decision . Most companies do not have a problem with a homeowner with 1 claim in 3 years , but if you have more than that you could be considered a habitual claimant -LRB- even though the claims may not have been in your control -RRB- . Find an agent or agency that you can trust and do not be afraid to ask questions that come to mind . Do not find out if you have coverage for a claim after the fact and make sure your questions are answered . Keep in mind that the insurance you are purchasing is to help protect you from a financial loss so ask questions , try to get the best package and coverage that fits your family needs and then look at price . 