Will Homeowners Insurance Increase After A Claim? 
When actuaries assess the possibility of a claim they arrive at a standard premium . When you have a claim you move into a slightly higher risk group and the company will generallynot always , assign a rating factor to your policy . These increases generally are only applied for a limited period of time -LRB- 3 yrs . is common . -RRB- Another issue is that a claim may disqualify you to receive a claims-free discount which many companies offer . The combination of losing a discount and an increase in the rate can make for a sizeable premium increase . 