Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 29, 2010

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Insurance Question from Copper Canyon, TX

Asked on 09/29/2010

WILL MY PREMIUM GO UP BECAUSE OF A CLAIM? WE OWN TWO HOMES,IF WE FILE A CLAIM ON ONE DOES IT MEAN BOTH WILL GO UP? ALL THE SOFETS ON ONE HOME HAVE ROTTED BECAUSE THE ROOF LINE WAS LEFT TO SHORT OR SOMETHING.ALL MUST BE REPLACED.

Answer given on October 19, 2010

Each insurance company has its own way of rating for claims on home insurance.  Each state also has some control on how rates can be affected by a claim.  However, if you file a claim on one property, the rates on another location might not be affected, depending upon whether both locations are already insured.

Some insurance companies will not write a new property policy for an insured if they have had a claim at any location in the past 3-5 years.  If you are shopping around for insurance, talk to your agent and see if the company you are seeking a quote from has such a restriction.  If they do, ask if there is another company that might be willing to write your insurance.

If you have existing insurance and filed a claim on one property, the rates could go up at the renewal, depending upon the type of loss and the companies rate filings.  However, the rates on another property should not be affected.  Again, clarify with your agent.


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