Do Premiums Increase After Filing a Hail Claim?

[collinCollin]

Wouldn’t the thing with getting business from insurance agents be considered illegal “steering”?

[nathanchartrand]

Also what should a sales man make off the job what percentage

[nathanchartrand]

Hey I just started doing sales I have over 30 estimates done does it mean I won't get the job because I didn't close at the door also these aren't insurance claims

[mathewmulholland]

This is only a half-truth. Carriers cannot single out someone and raise their rates for no-fault "act of god" claims. BUT, if you make a claim it goes on your record. If you make a LOT of claims, then you are a higher Risk. The carrier can put you into a higher risk category and raise your rates. If you have a "no claim" discount, that I definitely going away. - now you would need to file a lot of claims to worry about this. As a rule of thumb, if you file 3 claims within the span of 3 years, you can expect your rates to increase.

Certain types of claims weigh more on the risk scale than others. If you have a ton of trees near your home and have a tree loss, then you are likely to have another. You have more hazards at your home. You are a higher risk.

For the most part, if you have a hail or wind claim and this is the first or second claim in the last 5 years, then the risk of your rates increasing because you fall into a higher Risk bracket are slim.

If you are a contractor or a Public Adjuster, don't tell people their rates will not increase. The reality is, you don't know if they will or not. Don't throw jello at the wall and see what sticks. You might screw the homeowner without meaning to. Legitimate claims should be filed. If the claim is crap, then insured needs to be fully informed of the risks they are taking when filing that claim.

Saying to someone that their rates won't go up will also violate the statutes in many states for Public Adjuster soliciting. You cannot give false or misleading information to induce a sale or a claim.