Scopit ClaimsAbout

Guide for homeowners

Will filing a home insurance claim raise your premium?

Last reviewed
Applies to
Virginia, Maryland, District of Columbia

Placeholder. The final text for this page has not been added yet. Do not rely on it.

In short

A claim can affect your premium or renewal, but it depends on your insurer, your claim history, and the size of the loss. This guide explains claims history reports and how to weigh the decision, without guessing at numbers.

The short answer

Placeholder. Final text to come. This section will give a plain answer: it can, it depends, and here is what it depends on.

What insurers look at

Placeholder. This section will explain claim history, the type of loss, and how recent past claims are.

Your claims history report (C.L.U.E.)

Placeholder. This section will explain what a claims history report is and how to request your own copy for free.

Weighing the claim against your deductible

Placeholder. This section will walk through comparing the repair cost to your deductible, without promising any outcome.

Questions to ask before you decide

Placeholder. This section will list questions to ask your insurer or a licensed professional.

Sources

Links checked and page last reviewed on .

  1. What is a loss history report?Insurance Information Institute · iii.org
  2. LexisNexis C.L.U.E. & Telematics OnDemandConsumer Financial Protection Bureau · consumerfinance.gov
  3. Order Your Report OnlineLexisNexis Risk Solutions Consumer Disclosure · consumer.risk.lexisnexis.com
  4. Renewing your homeowners or car insurance policy?Insurance Information Institute · iii.org
  5. What You Need to Know When Filing a Homeowners ClaimNational Association of Insurance Commissioners (NAIC) · content.naic.org
  1. Before you repair: a water damage claim checklistWhat to document before the plumber leaves or repairs start, so you keep the option to file a home insurance claim for water damage.Reviewed
  2. Can you file a claim after the repairs are done?What happens if you already paid for water damage repairs, what records help, and where Virginia, Maryland, and DC set time limits.Reviewed
  3. What is a public adjuster?What a public adjuster does, how they are licensed in Virginia, Maryland, and DC, how to check a license, and what to ask before you sign.Reviewed