When wind or water damage strikes your property, filing an insurance claim may seem like the most natural course of action. However, it’s essential to understand the potential long-term consequences of making claims that are not categorized as catastrophic events. At R&R Insurance Group LLC, we believe in empowering our clients with knowledge to make informed decisions. In this guide, we’ll explore how certain claims can impact your insurance premiums for up to five years and provide valuable advice on managing your claims effectively. #GeorgiaInsurance #WindWaterDamage #ClaimsImpact #InsurancePremiums #RRInsurancegroup


The Long-Term Impact of Non-Catastrophic Claims

Claims arising from wind or water damage may not always be categorized as catastrophic events. These non-catastrophic claims can have lasting effects on your insurance premiums, potentially leading to increased costs over several years. Insurance companies use a complex system of risk assessment, and filing multiple non-catastrophic claims can label you as a higher-risk policyholder.

The 5-Year Rule: Claims and Premium Increases

Insurance companies often consider your claims history when determining your premiums. A common practice among insurers is the “5-year rule,” which means that claims history can influence your premiums for up to five years after filing the claim. Even if you switch insurance providers, your claims history is likely to follow you, affecting the rates offered by the new company.

Self-Pay Claims under 2x Your Deductible

To mitigate the long-term cost of increased premiums, it’s advisable to consider self-paying for smaller claims. If the cost of repairs is only slightly higher than your deductible, it might be in your best interest to handle the expenses independently. This way, you prevent the claim from going on your record, maintaining your status as a lower-risk policyholder.

By being strategic about when to file a claim, you can safeguard your insurance premiums and ensure that you’re not inadvertently paying more in the long run.

Consult with R&R Insurance Group LLC for Expert Advice

Determining whether to file an insurance claim can be a challenging decision, especially when faced with wind or water damage. At R&R Insurance Group LLC, our experienced insurance professionals can help you navigate this process. We analyze the extent of the damage, the cost of repairs, and your deductible to provide you with well-informed advice on whether it’s best to self-pay or file a claim.

Our goal is to protect your interests and help you make choices that align with your long-term financial well-being. By consulting with our team, you can gain a clear understanding of the potential impact of filing a claim and receive guidance on the best course of action.

While wind and water damage can be financially challenging, it’s essential to be mindful of the long-term consequences of filing insurance claims for non-catastrophic events. The “5-year rule” indicates that claims can impact your insurance premiums for half a decade, potentially leading to increased costs over time.

At R&R Insurance Group LLC, we encourage you to be strategic when handling smaller claims and consider self-paying if the expenses are under 2x your deductible. By doing so, you can protect your insurance premiums and avoid carrying the burden of increased costs.

For personalized guidance and expert advice on managing wind and water damage claims in Georgia, trust R&R Insurance Group LLC. Visit our website at https://rrinsurancegroup.com to learn more about our services and how we can help you navigate the complexities of insurance claims and protect your future. #GeorgiaInsurance #WindWaterDamage #ClaimsImpact #InsurancePremiums #RRInsurancegroup



  1. Consumer Reports – “Filing Homeowners Insurance Claims Can Cost You,” https://www.consumerreports.org/cro/news/2013/07/filing-homeowners-insurance-claims-can-cost-you/index.htm
  2. The Balance – “The 5-Year Rule for Car Insurance and Home Insurance Claims,” https://www.thebalance.com/how-many-years-can-you-keep-claims-off-insurance-527038