Filing a claim

Yes, you should absolutely file an insurance claim for roof damage. You pay your insurance premiums for this very reason. 

But you should only do so if extreme weather or a storm event is the cause of your roof damage.

Will filing a claim affect my premiums?

No, premiums are a pool based on the zip code in which you reside. This is a major misconception when it comes to filing an insurance claim for your property.

How do I start the insurance claim process? and what can i expect to happen after i file?