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Opinions change as times change. For the past 2 1/2 years the insurance industry has been in crisis, losing billions of dollars to claims. Massive rate increases across the board.
While you might not get a surcharge for a small wind claim, it's still a claim.
What happens when your renewal comes in at hundreds more because of rate increases?
You get quotes and you find that the quotes are much higher than you are already paying because the one small claim, though not chargeable, takes you out of another company's preferred risk category and puts you in a standard category at a much higher price.
These days the recommendation is not to make small claims (of even a few thousand) and preserve your insurance for catastrophic losses.
While you might not get a surcharge for a small wind claim, it's still a claim.
What happens when your renewal comes in at hundreds more because of rate increases?
You get quotes and you find that the quotes are much higher than you are already paying because the one small claim, though not chargeable, takes you out of another company's preferred risk category and puts you in a standard category at a much higher price.
These days the recommendation is not to make small claims (of even a few thousand) and preserve your insurance for catastrophic losses.
