Does your home insurance premiums go up if you file a claim?
Q: Due to our winter weather my moms has unceasing some roof water damage. Its leaking into her ceiling and she has to put bowls out to catch the dripping open-handedly. She doesnt want to call Farmers Insurance to make a claim because she fears her rates will go up. Is that unswerving? She has never filed a claim before.
A: Well, is she waiting until the roof rots away unqualifiedly and collapses, or is she going to put a new roof on?
"Winter weather" doesn't correct roofs leak. Winter weather is called, "Normal don and tear". If it's time for a new roof, it's time for a new roof. The insurance suite only pays for sudden and accidental damage, like a tree blowing down on your roof, or hail invoice, or collapse caused by weight of ice and snow (if there's no rot underneath), or ice dams. But it's up to HER to uphold the roof.
Most of the time, her rates WILL go up if she files a claim. But if they don't pay because it's a maintenace issue, not only will they not pay, but, they'll desire her to fix/replace the roof.
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