Will Filing a Roof Insurance Claim Raise My Premium? What Homeowners in Madison Need to Know

At DG Construction, we’ve helped many homeowners in Madison/Dane County navigate this exact situation. Here’s what you need to know about how insurance claims may affect your rates, and how to make the smartest decision for your home and wallet.

The Answer is: It all depends on the situation. For Example - if many homeowners are impacted by the hail/wind damage to their roof & the majority of people in your neighborhood are filing claims, your insurance rates are going to go up weather or not you file or not. Most times insurance will see an area maybe even a smaller portion of a zip code that has lots of claims being filed and later on raise the insurance rates.

We always explain to our clients, if we Find damage on your property, you might as well file a claim and not get left behind. If you don't file a claim within the insurance time frame- you will be left behind with a damaged roof and your rates will go up anyway.

Now this doesn't mean to file a claim if you don't seem to have legitimate damage. Time is very valuable, we don't waste your time, insurance's time or our time, if we see your property has real legitimate damage that is worth having the insurance call we will - we tell you how it is. After we inspect your free roof inspection, we will give you a full report of what we found, we will also suggest you what to do next and explain the following steps.

WE WILL GUIDE YOU FROM START-INITIAL INSPECTION, TO - RESTORING YOUR DAMAGED PROPERTY