One of the most common questions we hear from homeowners is:
“Will filing a storm damage claim make my insurance premiums go up?”

The short answer is no — not when the damage is caused by a storm.

Storm Damage Is Considered an ‘Act of God’

When your roof is damaged by wind or hail, it falls under what insurance companies call an Act of God or catastrophic event. Since you didn’t cause the damage, and there’s nothing you could have done to prevent it, your individual claim cannot legally be used to raise your premiums.

This is an important protection for homeowners across Louisiana. It allows you to use the insurance you pay for without fear of being penalized.

So Why Do Premiums Still Go Up After a Storm?

While your personal claim won’t make your rates increase, you may still see a premium change after a major storm — and here’s why:

Insurance companies adjust premiums based on ZIP codes and “affected zones,” not individual claims.

When a large storm hits an area, thousands of homeowners file claims. This sudden spike in payouts forces insurance companies to increase premiums for the entire region, whether you filed a claim or not.

In other words:

• If your neighborhood experienced storm damage, everyone’s premiums may rise.
  

• It does NOT matter if you personally filed a claim.

  
  

This is why homeowners often notice premium increases after hurricanes, hailstorms, or high-wind events — it has nothing to do with individual policyholders and everything to do with regional risk assessment.

Bottom Line: Filing a Legitimate Storm Claim Does NOT Hurt You

If your home has wind or hail damage, you should never hesitate to get it inspected and documented properly. You pay for your insurance — and storm damage is exactly what it’s meant to cover.

• Your individual premium will not increase because you filed a claim.

• Premiums may increase across the region after a severe weather event.

• Not filing a claim won’t protect you from these regional increases.

If you have damage and don’t file, the only person that loses out is you.

Need Help Understanding Your Roof Damage or Claim?

At Superior Group Roofing & Design, we assist homeowners with:

• Free full photo reports (150+ photos)
  

• Thorough storm documentation
  

• Guidance through the claims process within Louisiana’s LDI guidelines

• Honest assessments so you know exactly what’s happening on your roof

Whether your roof is damaged or you just want peace of mind, we’re here to help.

Schedule your FREE inspection and full photo report today!