Do Hail Damage Claims Really Increase Your Insurance Premium? Here’s the Truth

When a hailstorm hits and your roof takes the brunt of the damage, many homeowners hesitate to file a claim, and we get it. There’s a common misconception out there:

“If I file a claim, my insurance premium will automatically go up.”

But here’s the reality: filing a hail damage claim does not directly cause your premiums to increase. In fact, in many cases, replacing your roof can actually save you money over time.

Let’s break it down.

Why Your Premiums Are Often Higher Now

If you’ve noticed your homeowner’s insurance going up recently, the cause may not be your claims history, it’s likely your roof’s age and condition.

• Older roofs = higher premiums

  
  

  Insurance companies see weather-worn roofs as a greater risk.

• Previous damage = more liability

  
  

  A damaged roof increases the chance of leaks and costly interior repairs.

• Higher risk = higher monthly payments

  
  

  The more vulnerable your roof, the more your insurer adjusts your premium.

How a New Roof Can Lower Your Premium

When you replace your roof after hail damage, you’re reducing the risk of future claims and insurance companies reward you for that.

Here’s what we often see:

• Lower monthly premiums after a roof replacement

• Discounts for upgraded Class 3 or Class 4 impact-resistant shingles

• Long-term savings that outweigh the cost of doing nothing

In fact, upgrading to Class 3 or 4 shingles can make you eligible for premium discounts right away, so you’re protecting your home better while paying less each month.

Why You Should Act Quickly After Hail Damage

Waiting to repair hail damage can cost you more in the long run. Delays often lead to:

• Interior water damage

• Mold growth

• Structural issues

• Higher insurance costs

By addressing the issue now, you protect your home, keep your premiums down, and get the most out of your insurance policy.

Talk to an Expert Who Understands Both Sides

I’m Will with Centennial Contracting & Roofing. As a former insurance adjuster, I know how the process works from both perspectives. That means my team and I can help you:

• Assess roof damage accurately

• Navigate insurance claims with confidence

• Maximize savings and minimize out-of-pocket costs

You don’t have to handle this alone and you shouldn’t risk overpaying when a better option is available.

Final Takeaway

Filing a claim for hail damage doesn’t automatically raise your premium. In fact, replacing your roof, especially with impact-resistant shingles, can actually save you money in the long run.

If you suspect your roof may have hail damage, don’t wait. Contact Centennial Contracting & Roofing today, and let’s make sure your home is protected and your premiums are working for you, not against you.