How Will A Claim Affect My Home Insurance? 
Claims on homeowners policies are very infrequent . They signal to the underwriter that there might be something that makes your property other than standard . Consulting tables they use the amount of the claim to determine if additional premium will be required in the following year . This is not to compensate for the claim but merely express the fact that your property isnt a standard property . There are several other important factors but because a claim can affect your homeowners premium I suggest that you consult with your agent prior to filing a claim , unless you are being threatened with a lawsuit . 