“Won’t my rates go up if I file a claim?”
It’s the #1 concern we hear from homeowners—and one of the biggest misunderstandings out there.
Unlike car insurance, filing a claim on your property doesn’t mean you’re suddenly high-risk. In fact, when storms hit your ZIP code, most insurance companies raise rates across the board. That means whether you file a claim or not, your premiums could still increase. Why not at least use the coverage you’ve been paying for?
Here’s what most people don’t realize:
– Claims help document roof age & protect long-term value
– Avoiding claims can backfire—especially when your roof hits 20+ years
– Not filing could make future issues “your responsibility” (aka not covered)
Another common trap? Thinking your plan will always cover your roof just because it’s under warranty. Insurance is for unexpected events like storms—not wear and tear. That’s why a professional contractor who understands the insurance process is your greatest asset.
At Milton, we’ve helped homeowners get full replacements approved even for older roofs—because we know what to document, how to file, and when to fight. Other companies may shrug and walk away. Not us.
✅ Know your policy
✅ Understand your options
✅ Have an expert on your side
If your neighbors are getting new roofs—it’s time to check yours.
Book your free storm damage assessment today →