Is It Bad To File A Homeowners Insurance Claim? 
You buy home owners insurance for a reason to protect you from a catastrophe . That being said , after filing a claim on your home owners insurance policy , they may raise your rates or even decide that they -LRB- the carrier -RRB- no longer want the risk . Personally I would cover out of pocket stuff like some shingles blowing off , or minor stuff , that way there is n't any frivolous claims that you may end up paying for in the future . 