The short answer
One claim typically increases premium 9–20% for 3–5 years. Water damage and liability claims surcharge hardest. Two claims in 5 years often triggers non-renewal in FL, LA, CA, and TX. Rule of thumb: don't file claims under 2x your deductible unless the amount is meaningful — the surcharge often exceeds the payout.
Frequently asked
- Are inquiries reported?
- Yes — CLUE reports show inquiries as well as filed claims for 5–7 years.
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