 TITLE: Does Filing a Home Insurance Claim Raise Your Rates? CONTENT: How Does Filing a Claim Affect Your Home Insurance Premiums?\n------------------------------------------------------------\nWhen you contact your insurer to file a homeowners insurance claim, you'll be assigned a claim number and claims adjuster who will handle your claim. Generally, you'll submit documentation of the loss, and a claims adjuster will visit your home to survey the damage and estimate your payout.\nDifferent types of homeowners insurance claims may affect your premiums differently. A 2021 survey of claims found weather-related claims generally have the least effect on premiums, while fire-related claims have the biggest effect.\nSource: Insurance.com\nKeep in mind that these figures are averages, and depending on your situation, your home insurance premiums may not rise at all. A 2019 Consumer Reports survey found that 50% of respondents who filed a home insurance claim in the previous three years didn't experience a premium hike; just 12% said premiums rose by $200 or more annually. END