The short answer: it depends on your carrier, your claims history, and the type of claim.
The Claim History Factor
Insurance carriers track your claims history through the CLUE database — a shared industry record going back 7 years. When you file a claim, it appears in CLUE regardless of whether it’s paid.
Two claims in three years triggers scrutiny from most carriers. You may see premium increases at renewal, non-renewal notices, or requirements to replace your roof to continue coverage.
Weather vs. Liability Claims
Weather-related claims (hail, wind) typically affect premiums less than liability or water damage claims. Some Georgia carriers treat hail and wind claims as “non-chargeable” because weather is outside your control. But even non-chargeable claims count toward frequency — too many claims in any category can affect renewability.
What Not to Do
Don’t file small claims. If the damage amount is close to your deductible, consider paying out of pocket. A clean claims history is worth several hundred dollars.
Don’t file without an inspection. If you don’t know the scope, you don’t know if it’s worth filing.
Don’t withdraw a claim after filing. Withdrawn claims still appear in CLUE in some cases.
Before you file, a contractor inspection gives you a realistic claim estimate to make an informed decision. Book a free inspection →