The Universal Storm Damage Claim Process
Whether you are dealing with hail in Dallas, hurricane winds in Miami, ice dams in Boston, or wildfire in Sacramento, the core insurance claim process follows the same fundamental steps. Master these before diving into your state's specific rules — every successful claim starts with thorough documentation and a clear understanding of your policy's coverage structure.
Document the Damage Immediately
Before touching anything or making temporary repairs, photograph and video every damaged area from multiple angles. Capture wide shots showing the full roof, close-ups of individual damage points (missing shingles, dents, punctures, ice dam water stains), and any interior damage from leaks. Include a date-stamped newspaper or phone screenshot in at least one photo to establish the timeline. Save local weather reports and NOAA storm data confirming the event — insurers will cross-reference your claim date against meteorological records. This evidence package is the foundation of your entire claim.
Make Emergency Temporary Repairs
Your policy requires you to mitigate further damage — this means tarping exposed areas, placing buckets under active leaks, and boarding up broken skylights. Keep every receipt for emergency materials and temporary repairs, as these are reimbursable under virtually all homeowners policies as part of the claim. Do not make permanent repairs until the insurance adjuster has inspected the damage, as permanent repairs before inspection can jeopardize your claim by eliminating the evidence the adjuster needs to assess the loss.
File Your Claim Promptly
Contact your insurer within 24-48 hours of the storm event. Most carriers now accept claims online, by phone, or through their mobile app. When filing, provide the date and type of storm, a brief description of visible damage, and note that you have photographic documentation. Request a claim number, the name of the assigned adjuster, and the expected inspection timeline. In declared disaster areas, insurers deploy catastrophe (CAT) teams, and inspection wait times can stretch to 30-60 days — document this timeline as it affects your repair scheduling.
Get an Independent Contractor Estimate
Before the insurance adjuster arrives, get at least one independent estimate from a licensed local roofing contractor. This gives you a market-rate benchmark to compare against the adjuster's assessment. Insurance adjusters use Xactimate software, which can underestimate actual repair costs by 15-30% in markets with high labor demand after storms. Your independent estimate documents what the repair actually costs in your local market — critical leverage for supplement negotiations. Use RoofVista to get an instant estimate based on your actual roof dimensions, then compare quotes from pre-vetted local contractors.
Be Present for the Adjuster Inspection
Always be present (or have a representative present) when the insurance adjuster inspects your roof. Walk the property with the adjuster and point out every area of damage you documented. Adjusters inspect dozens of properties after major storms and can miss damage that you have already identified. If the adjuster's scope of damage is significantly smaller than your documentation shows, ask them to explain the discrepancy before they leave. Having your contractor's estimate available during the inspection allows real-time comparison.
Review, Negotiate, and Supplement
When you receive the adjuster's estimate, compare it line by line against your independent contractor estimate. Common areas where insurance estimates fall short include: overhead and profit margins (10-20% combined is industry standard), code upgrade costs required by current building codes, interior damage from leaks, and disposal fees. If there is a gap, submit a formal supplement request with your contractor's itemized estimate, photos documenting the additional damage or required work, and reference to current local material and labor rates. Supplements are standard practice — approximately 40% of all roof claims involve at least one supplement negotiation.
Critical Timeline: Do Not Miss These Deadlines
Within 24-48 Hours
Document damage, make emergency repairs, file the initial claim
Before Adjuster Visit
Get an independent estimate, organize your photo documentation
Within 30-60 Days
Review the adjuster's report, file any supplements, begin permanent repairs
Texas: Hail and Wind Damage Claims
Texas leads the nation in hail damage insurance claims. In 2024 alone, insured losses from hail and wind events in Texas reached $10.2 billion, driven by a record-setting hail season that produced over 600 significant hail events across the state. The Texas Department of Insurance (TDI) regulates the claims process, but Texas has some of the most insurer-friendly rules in the country when it comes to deductibles and claim limitations.
TX Key Rules
- •2% wind/hail deductible is standard — on a $350,000 dwelling policy, you pay the first $7,000 out of pocket
- •Appraisal clause — either party can invoke a binding appraisal process if there is a dispute over the loss amount
- •Prompt payment law — TDI requires insurers to acknowledge claims within 15 days and pay undisputed amounts within 5 business days of agreement
- •2-year statute of limitations from the date of loss to file suit against your insurer
- •Cosmetic damage exclusions are increasingly common on newer TX policies — read your declarations page carefully
TX Claim Strategy
- •Check your deductible structure first — know whether you have a flat deductible or a percentage-based wind/hail deductible before filing
- •If the estimated damage is close to your deductible amount, consider whether filing is worth the CLUE report entry
- •Use the appraisal clause aggressively if the adjuster's estimate is 20%+ below your independent estimate
- •Verify your contractor holds a valid TRCC registration — unlicensed contractors cannot legally perform roofing work in Texas
TX Hail Season 2026 Preparedness
Texas hail season runs from March through June, with peak activity in April and May. The DFW Metroplex, San Antonio, and the I-35 corridor from Waco to Dallas are historically the highest-risk zones. If you are in these areas, review your policy's wind/hail deductible and cosmetic damage exclusions before storm season begins. Consider upgrading to Class 4 impact-resistant shingles, which earn 10-28% insurance discounts in Texas and dramatically reduce the likelihood of a hail damage claim in the first place. Get an instant estimate through RoofVista to understand what an upgrade would cost for your specific roof.
Florida: Hurricane, Wind, and AOB Reform
Florida's property insurance market has undergone the most dramatic transformation of any state in the past three years. The combination of SB 2-A (2022), SB 808 (2023), and HB 815 (2026)has fundamentally reshaped how storm damage claims are filed, processed, and litigated. Citizens Property Insurance's approved 8.8% rate decrease for 2026 is the first tangible evidence that these reforms are stabilizing the market.
FL Key Rules (Post-Reform)
- •Hurricane deductible: 2-5% of dwelling coverage, triggered only by named hurricanes
- •SB 808 reduced the filing deadline from 3 years to 2 years from the date of loss
- •AOB restrictions — Assignment of Benefits can no longer be used to inflate claims through attorney involvement; one-way attorney fee provision eliminated
- •HB 815 (July 2026) bans age-only non-renewal for roofs under 15 years and requires insurers to accept independent inspections
- •Public adjuster fees capped at 10% for claims related to declared emergencies
FL Claim Strategy
- •Never sign an AOB without fully understanding the implications — the post-reform landscape makes AOB less advantageous for homeowners
- •Get a wind mitigation inspection ($75-$150) — this documents your roof's wind resistance features and can earn premium discounts of 10-45%
- •For roofs 15+ years, obtain an independent inspection showing 5+ years remaining life before filing a claim to prevent a non-renewal
- •Verify your contractor holds a valid CCC (certified roofing contractor) or CRC (certified residential contractor) license
Citizens Insurance Rate Decrease: What It Means for Claims
Citizens Property Insurance Corporation's approved 8.8% rate decrease for 2026 directly benefits homeowners filing storm damage claims. Lower baseline premiums mean lower percentage-based hurricane deductibles in absolute dollars. The decrease also signals improved market conditions — as private carriers re-enter Florida, homeowners have more options and more competitive pricing after a claim leads them to shop for new coverage. If you are currently on Citizens, the rate decrease combined with a new storm-resistant roof could reduce your annual premium by $1,500-$3,000.
California: Wildfire, Wind, and FAIR Plan Claims
California's storm damage claims landscape is dominated by wildfire, but wind events, mudslides triggered by post-fire rain, and occasional hail also generate significant roof damage claims. The state's insurer exodus — with major carriers like State Farm and Allstate pausing new homeowners policies — has forced hundreds of thousands of homeowners into the California FAIR Plan, the state's insurer of last resort.
CA Key Rules
- •AB 888 wildfire grants — provides funds for fire-hardening roofing improvements including Class A fire-rated roofing materials
- •FAIR Plan coverage has expanded but remains more expensive than admitted market coverage with higher deductibles
- •1-year standard filing deadline for most claims, with extensions for declared disasters (governor's orders can extend to 24 months)
- •Prop 103 requires prior approval for rate changes, slowing insurer ability to raise rates but also driving carriers out of the state
- •CDI (California Department of Insurance) actively investigates claim handling practices post-wildfire
CA Claim Strategy
- •For wildfire claims: document everything before evacuation if possible — drone footage, street-level photos, interior condition
- •Apply for AB 888 fire-hardening grants when replacing a fire-damaged roof — funds cover Class A fire-rated roofing upgrades
- •If on FAIR Plan, use a new fire-resistant roof to qualify for return to the admitted market — many carriers will write policies for homes with Class A roofs even in WUI zones
- •Verify contractor holds a valid CSLB C-39 (roofing) license — storm chasers from out of state are common after major CA wildfire events
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Massachusetts: Nor'easter, Ice Dam, and Wind Claims
Massachusetts homeowners face a unique combination of storm damage risks: nor'easters bringing heavy snow and ice, coastal wind events, and the ice dams that form during freeze-thaw cycles from December through March. The state's strong consumer protection framework and the Massachusetts Division of Insurance (DOI) provide homeowners with robust appeal mechanisms, but understanding the 780 CMR building code compliance requirement is critical for claims involving structural repairs.
MA Key Rules
- •Flat deductibles remain standard ($1,000-$2,500) — MA does not widely use percentage-based wind/hail deductibles
- •780 CMR code compliance — when repairs trigger code upgrades (ice and water shield, ventilation, R-49 insulation), these costs should be covered under the claim if your policy includes ordinance/law coverage
- •Ice dam damage is covered under standard homeowners policies as a weather peril, but the cost to remove the ice dam itself is sometimes disputed
- •MA DOI consumer advocacy — the Division of Insurance has a dedicated consumer services unit that mediates claim disputes
MA Ice Dam Claim Strategy
- •Document the ice dam itself before removal — photos showing the dam formation on eaves, icicle buildup, and any water infiltration to interior walls and ceilings
- •Ice dam removal ($400-$800 per visit) is a gray area — file it as part of your emergency mitigation obligation
- •If the claim triggers a full roof replacement, ensure your contractor includes ice and water shield on the first 3 feet of eaves per 780 CMR
- •Verify your contractor holds a valid MA HIC (Home Improvement Contractor) license — required for all roofing work in Massachusetts
New York: Severe Weather, Wind, and Ice Claims
New York presents a split claims landscape. Upstate New York experiences heavy snow loads, ice dams, and lake-effect storms similar to New England, while the NYC metro area and Long Island face coastal wind events, nor'easters, and occasional tropical storm remnants. The New York Department of Financial Services (DFS) provides strong regulatory oversight, including a 60-day non-renewal notice requirement that gives homeowners time to shop for coverage after a claim.
NY Key Rules
- •Flat deductibles standard — most NY policies use $1,000-$5,000 flat deductibles rather than percentage-based
- •NYC building codes are stricter than state code — roof repairs in NYC must comply with NYC Building Code Section 1510 and may require DOB permits
- •60-day non-renewal notice required by DFS, giving homeowners time to find alternative coverage after a claim
- •2-year statute of limitations for filing suit against your insurer
NY Claim Strategy
- •Upstate/Western NY: Snow load damage is generally covered, but gradual ice dam damage that accumulated over a season may be disputed as "maintenance"
- •NYC/Long Island: Coastal wind claims should reference ASCE 7 wind speed maps showing your area's design wind speed to support the claim
- •File a complaint with DFS if your claim is unreasonably delayed — NY has a prompt payment regulation
- •For NYC properties, ensure your contractor has a NYC DOB-licensed rigger or special rigger if roof access requires scaffolding on multi-story buildings
CT, NH, VT, ME, RI: Ice Dam and Nor'easter Claims
The remaining New England states share similar storm damage claim patterns centered around ice dams, heavy snow loads, nor'easters, and coastal wind. While each state has its own regulatory body, the claim strategies and common pitfalls are remarkably consistent across the region.
| State | Deductible Type | Key Storm Risks | Regulator | Special Notes |
|---|---|---|---|---|
| Connecticut | Flat ($1K-$2.5K) | Ice dams, coastal wind, nor'easters | CID | Consumer advocacy office assists with disputes |
| New Hampshire | Flat ($1K-$2.5K) | Ice dams, heavy snow, wind | NHID | No contractor licensing requirement — vet carefully |
| Vermont | Flat ($1K-$2.5K) | Ice dams, heavy snow, wind | DFR | Slate roofs common — specialized restoration claims |
| Maine | Flat ($1K-$2.5K) | Ice dams, coastal wind, snow | BOI | Coastal properties may have separate wind deductible |
| Rhode Island | Flat ($1K-$2.5K) | Coastal wind, ice dams, nor'easters | DBR | Small state — fewer licensed contractors post-storm; plan ahead |
New England Ice Dam Claims: Key Strategies
- •Separate the ice dam from the water damage — interior water damage from ice dams is clearly covered under all standard policies; the cost to remove the ice dam itself and prevent future dams is where disputes arise
- •Document the formation pattern — recurring ice dams in the same location indicate a ventilation or insulation deficiency; insurers may argue this is a maintenance issue rather than storm damage
- •Push for code-compliant repairs — if the ice dam caused enough damage to require a roof section replacement, the repair must include ice and water shield membrane on the first 2-3 feet of eaves per state building code; this cost should be included in the claim
- •For VT/NH slate roofs: insist on a contractor experienced in slate restoration — improper repairs can void the claim and cause additional damage to irreplaceable slate
ACV vs. RCV: How Your Policy Pays for Storm Damage
Understanding the difference between Actual Cash Value (ACV) and Replacement Cost Value (RCV) is the single most important factor in determining how much your storm damage claim will pay. The difference can be tens of thousands of dollars, and state regulations determine which coverage type insurers can apply.
Replacement Cost Value (RCV)
Full Repair Cost
Pays the full cost to repair or replace your roof with materials of like kind and quality. No deduction for depreciation. The claim pays in two parts: the ACV portion immediately, and the "recoverable depreciation" holdback after you complete the repairs and submit proof.
Example: $22,000 roof replacement. Insurer pays $14,000 ACV upfront, then releases $8,000 recoverable depreciation after repair completion. You pay only the deductible.
Actual Cash Value (ACV)
Depreciated Value
Pays the replacement cost minus depreciation based on the roof's age and condition. On a 15-year-old shingle roof with a 30-year lifespan, the insurer deducts approximately 50% depreciation. The shortfall comes entirely out of your pocket.
Example: $22,000 roof replacement. After 50% depreciation, insurer pays only $11,000 minus your deductible. You pay $11,000+ out of pocket.
| State | ACV Allowed? | ACV Threshold | Notes |
|---|---|---|---|
| Texas | Yes, by endorsement | Varies by carrier | Many TX policies now include ACV roof endorsements; check your declarations page |
| Florida | Yes, for roofs 15+ yrs | 15 years (post-2023 reform) | SB 808 allows ACV-only roof schedules for older roofs |
| California | Limited | Rare for standard policies | Most CA policies maintain RCV; FAIR Plan policies may differ |
| Massachusetts | Uncommon | 20-25 years | Strong consumer protections; most policies maintain RCV |
| New York | Limited | 20-25 years | DFS oversight keeps ACV endorsements less common than in southern states |
| NE States (CT/NH/VT/ME/RI) | Uncommon | 20-25 years | Flat deductibles and RCV standard; ACV rare except for very old roofs |
Pro Tip: Check Before You File
Before filing a storm damage claim, review your declarations page (the summary section of your policy) to check whether your roof is covered on an RCV or ACV basis. If your roof has been switched to ACV, calculate whether the depreciated payout minus your deductible is worth the claim. In some cases, especially with high percentage deductibles in Texas and Florida, the net payout on an ACV-covered older roof may be minimal — and the claim entry on your CLUE report could raise future premiums or trigger a non-renewal.
When to Hire a Public Adjuster
A public adjuster is a licensed claims professional who works exclusively for you — not for the insurance company. They inspect the damage, prepare a detailed scope of loss, negotiate with the insurer on your behalf, and handle supplement requests. Their fee is typically 5-15% of the final settlement (capped at 10% in Florida for emergency declarations).
Hire a Public Adjuster When:
- ✓Your claim exceeds $15,000 — the fee is justified by the higher settlement
- ✓Your insurer's estimate is 20%+ below your independent contractor estimate
- ✓You have structural damage beyond shingles (decking, rafters, fascia)
- ✓Your claim has been partially or fully denied
- ✓You have multiple areas of damage (roof + siding + gutters + interior)
Skip the Public Adjuster When:
- ×Your claim is under $10,000 — the 10-15% fee may exceed the benefit
- ×The damage is straightforward (obvious wind/hail with clear shingle damage)
- ×Your insurer's estimate aligns closely with your independent estimate
- ×You have a strong relationship with your agent who will advocate for you
Research from the Office of Program Policy Analysis and Government Accountability shows that public adjusters secure settlements that are 30-50% higher on average than homeowners who negotiate alone. On a $25,000 claim, even after paying a 10% fee ($2,500), the net increase can be $5,000-$10,000. Verify your public adjuster is licensed in your state — licensing requirements vary, and unlicensed individuals posing as public adjusters is a growing issue in states hit by major storms.
Storm Chaser Warning: Protect Yourself From Roofing Scams
Within hours of a major storm event, out-of-state contractors begin knocking on doors in affected neighborhoods. While some are legitimate companies expanding their service area, many are storm chasers who perform substandard work, inflate insurance claims, and disappear before warranty issues surface. Storm chaser activity is heaviest in Texas after hail season, Florida after hurricanes, and throughout the Northeast after major nor'easters.
Red Flags: Signs of a Storm Chaser
- •Knocks on your door unsolicited within days of a storm
- •Offers to "waive your deductible" (insurance fraud in every state)
- •Asks for a large upfront deposit (50%+) before any work begins
- •Cannot provide a local business address or references
- •Pressures you to sign a contract before the adjuster visits
- •Uses high-pressure "act now" or "limited availability" tactics
- •Asks you to sign an Assignment of Benefits (AOB) form
- •Lacks a valid state-specific contractor license
How to Verify a Contractor's License by State
- Texas: TRCC registration — verify at trcc.texas.gov
- Florida: CCC/CRC license — verify at myfloridalicense.com
- California: CSLB C-39 license — verify at cslb.ca.gov
- Massachusetts: HIC license — verify at mass.gov/hic
- New York: NYC DOB or county license — varies by municipality
- Connecticut: HIC license — verify at elicense.ct.gov
- New Hampshire: No state license required — verify insurance and references
- Rhode Island: Contractor registration — verify at crb.ri.gov
How RoofVista Helps With Storm Damage Claims
Filing a storm damage claim is stressful enough without wondering whether the insurance company's estimate covers the real cost of repairs. RoofVista gives you the independent market data you need to negotiate from a position of knowledge — not guesswork.
Instant Estimate to Benchmark
Enter your address and get an instant estimate based on satellite-measured roof dimensions and current local pricing. Use this as a benchmark to compare against your insurance adjuster's Xactimate estimate — if there is a significant gap, you have documented evidence to support a supplement request.
Pre-Vetted Local Contractors
Every contractor on RoofVista is verified for proper state licensing, insurance coverage, and local presence. After a storm, when storm chasers flood the market, knowing your contractor is licensed, insured, and locally established eliminates the biggest risk in the repair process. Compare quotes from multiple pre-vetted contractors to ensure competitive pricing.
Written Scope Comparison
RoofVista's standardized quotes include itemized line items that map directly to insurance Xactimate categories — making it easy to identify where the adjuster's estimate falls short. This apples-to-apples comparison is the most effective tool for supplement negotiations and appraisal clause invocations.
Storm Damage Insurance Claims: Frequently Asked Questions
How long do I have to file a storm damage roof insurance claim?
Filing deadlines vary by state and policy. Most standard homeowners policies require you to report damage "promptly" or "as soon as practicable," which insurers generally interpret as within 30-60 days. However, state statutes of limitation on property claims are longer: Texas allows 2 years from the date of loss, Florida allows 2 years under the 2023 reform (reduced from 3), California allows 1 year for most claims but has extended deadlines for declared wildfire disasters, and New York allows 2 years. Massachusetts, Connecticut, and other New England states typically allow 2-6 years depending on the policy type. Regardless of the legal deadline, file as soon as possible — delayed claims face significantly more scrutiny and higher denial rates because insurers argue that additional deterioration occurred between the storm and the filing.
What is the difference between ACV and RCV on a storm damage claim?
Replacement Cost Value (RCV) pays the full cost to repair or replace your roof with materials of like kind and quality, with no deduction for depreciation. Actual Cash Value (ACV) pays the depreciated value — the replacement cost minus depreciation based on the roof's age and condition. On a 15-year-old architectural shingle roof with a 30-year lifespan, ACV would deduct roughly 50% for depreciation, meaning a $20,000 replacement would only pay out approximately $10,000 minus your deductible. Most modern policies include RCV coverage for roofs, but some states allow insurers to switch older roofs to ACV. Texas and Florida have been at the center of the ACV vs. RCV debate, with Florida's 2023 reforms allowing ACV-only schedules for roofs over 15 years old.
What is a percentage-based wind/hail deductible and how does it affect my claim?
A percentage-based deductible is calculated as a percentage of your dwelling coverage, not a flat dollar amount. In Texas, wind/hail deductibles of 1-2% are standard — on a $400,000 dwelling policy, a 2% deductible means you pay the first $8,000 out of pocket before insurance covers anything. This is dramatically higher than a typical $1,000-$2,500 flat deductible. Florida uses similar hurricane deductibles of 2-5%. Nineteen states allow percentage-based wind/hail deductibles, primarily in the Gulf Coast, Southeast, and Plains states. Some states like Massachusetts and New York still primarily use flat deductibles for wind damage, making claims more financially accessible for homeowners.
Should I hire a public adjuster for my storm damage roof claim?
A public adjuster works exclusively for you (not the insurance company) and typically earns 5-15% of your settlement. Hiring one is generally worth it when your claim exceeds $15,000, your insurer's initial estimate seems significantly below repair costs, you have structural damage beyond just shingles, or your claim has been partially or fully denied. Studies show public adjusters secure settlements 30-50% higher on average than homeowners who negotiate alone. However, for straightforward claims under $10,000 where the damage is obvious and the insurer's estimate is reasonable, the public adjuster's fee may not be justified. In Florida, public adjuster fees are capped at 10% for claims related to declared emergencies under the 2023 reform legislation.
How do I identify and avoid storm chaser roofing scams?
Storm chasers are out-of-state contractors who follow major storms and solicit door-to-door, often within hours of the event. Red flags include: requesting large upfront deposits (legitimate contractors typically require 10-30%, never 50%+), pressuring you to sign an Assignment of Benefits (AOB) or a contract before the insurance adjuster visits, lacking a local business address or state-specific contractor license, offering to "waive your deductible" (this is insurance fraud in every state), and using high-pressure tactics claiming you must act immediately. Always verify the contractor holds a valid license in your state — Texas requires registration with TRCC, Florida requires a CCC or CRC license, and Massachusetts requires an HIC license. Use pre-vetted contractors through RoofVista to ensure proper licensing and insurance.
Can I choose my own contractor for insurance-covered storm damage repairs?
Yes, in every state you have the right to choose your own contractor for insurance-covered repairs. Your insurer cannot require you to use a specific contractor from their "preferred vendor" or "managed repair" network, though they may recommend one. However, your insurer will only pay up to their assessed repair cost — if your chosen contractor's price is higher than the insurer's estimate, you are responsible for the difference unless you can negotiate or supplement the claim. This is where getting an independent estimate through RoofVista before accepting the insurance settlement is critical — it gives you documented market pricing to support a supplement request if the insurer's estimate is low.
What should I do if my storm damage roof claim is denied?
First, request the denial in writing with the specific reason cited. Common denial reasons include: pre-existing damage (insurer claims the damage existed before the storm), cosmetic damage exclusion (some policies exclude "cosmetic" hail damage that does not affect function), missed filing deadline, or maintenance-related deterioration. To appeal, obtain an independent inspection from a licensed contractor documenting that the damage is storm-related and structurally significant. Submit a formal written appeal with the inspection report, dated photos, and any meteorological data proving a qualifying storm event occurred. If the appeal fails, file a complaint with your state's Department of Insurance and consider hiring a public adjuster or attorney. In Texas, the state has a strong appraisal clause provision allowing either party to invoke a binding appraisal process.
Does filing a storm damage claim raise my insurance rates?
It depends on your state and insurer. Many states prohibit rate increases for weather-related claims that are not the homeowner's fault — Texas, Florida, and several other states have laws or regulations limiting surcharges for catastrophe claims. However, a claims history can affect your ability to switch carriers or the rates offered by new carriers, as claims appear on your CLUE (Comprehensive Loss Underwriting Exchange) report for 5-7 years. The practical reality is that in states with frequent severe weather, one storm claim rarely triggers a rate increase, but multiple claims within a short period can. Homeowners with zero claims history typically pay 10-20% less than those with recent claims. If the damage is minor (under your deductible or slightly above), it may be worth paying out of pocket to preserve your claims-free status.
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