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  • Writer's pictureBrian Jobe

I was just hit by a hail storm, should I open an insurance claim, will it affect my rates

If your property has been damaged by a hail storm in Minnesota, it's worth considering opening an insurance claim, especially if the damage is significant. Here are some factors to keep in mind regarding insurance claims and how they might affect your rates:

  1. Extent of Damage: Assess the extent of the damage to your property. If the hail storm has caused noticeable damage to your roof, siding, windows, or other exterior features, filing a claim may be necessary to cover the cost of repairs.

  2. Deductible: Review your insurance policy to understand your deductible—the amount you're responsible for paying out of pocket before your insurance coverage kicks in. If the cost of repairs is close to or exceeds your deductible, it may be worthwhile to file a claim.

  3. Insurance Coverage: Most standard policies typically include coverage for hail damage and include full replacement, but it's essential to confirm the specifics of your coverage, including any limitations or exclusions.

  4. Claims History: Consider your claims history and how it might impact your decision. While filing a single claim for hail damage will not have impact on your insurance rates (rare exceptions apply), multiple claims within a short period could potentially result in higher premiums or even policy non-renewal.

  5. Rate Increases: Insurance companies may adjust your rates based on several factors, including the frequency and severity of claims in your area. However, with rare exceptions, will a claim on your specific home lead to rate increases, especially if they are due to circumstances beyond your control, such as severe weather events like hail storms.

Ultimately, the decision to open an insurance claim after a hail storm depends on the severity of the damage, your deductible, your insurance coverage, and your individual circumstances. If you're unsure about whether to file a claim, it's best to consult with an expert who will perform a physical inspection for personalized advice.

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