Should you even file?
How Insurance Claims Affect Your Premium
Not all claims hit your premium equally. See the math before you file — PolicyPal estimates the impact.
Your policy is the only source of truth
Get a precise answer for your exact policy
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
The 3-year premium math
A single home claim typically raises premiums 10–25% for 3 years. For a $1,500 claim on a $1,400 annual premium, that's $400–$1,000 in surcharges — often more than the payout after deductible.
Claims that hurt most
Water, fire, dog bite. Claims that hurt least: weather (regional events), comprehensive auto.
Frequently asked
- How long do claims stay on record?
- Usually 5–7 years on the CLUE database insurers share.
- Will asking a question count as a claim?
- Sometimes — 'inquiry-only' contacts can still be logged. Ask carriers whether it will be recorded.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.