Getting Homeowners Insurance After a Claim
Filing a homeowners insurance claim protects your home—but it can make finding new coverage tricky. Here's what Houston homeowners need to know.
Will My Rates Increase?
Yes, typically by 10-20% after a claim. Water damage claims (most common in Houston's rainy climate) tend to impact rates more than fire or theft. However, claims from events outside your control (hail, natural disasters) may impact rates less.
Can I Still Get Coverage?
Absolutely. Multiple carriers offer homeowners insurance to people with prior claims. Steve Soyebo works with 20+ carriers—we find you the best rate regardless of claim history.
Timeline Tips
- Wait 3-5 years for claim to age before switching
- Maintain excellent payment history
- Make home improvements to reduce risk
- Shop annually to find the best available rates
Call Steve Soyebo at (832) 934-9090 for a free quote tailored to your situation.
