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Should I file my storm damage claim?

Free decision tool — runs the ACV/RCV math + 5-year premium-impact penalty.

State

Damage type

Damage severity

Dwelling coverage: $350,000

Wind/hail deductible: 2%

Deductible: $7,000

Roof age: 8 yr

Policy type

Verdict

FILE

Estimated net recovery (~$6,500) is meaningfully greater than the 5-year premium-impact estimate (~$1,953). The claim is likely worth filing.

Estimated payout

$2,500 – $10,500

Repair cost range: $9,500 – $17,500
Your deductible: $7,000
5-yr premium-impact estimate: $1,953

Open the full calculator on HavenCostGuide