One of my biggest questions I get from potential clients is how much does does a roofing claim affect their insurance premiums? 

my answer is simple, 

The state of Georgia considers all storm damage claims to personal property (wind or hail damage) to be considered in the "Act of God" clause. This means that the damage is not preventable and therefore the homeowner is not affected directly as a result from making the claim. The reason the insurance premiums go up is due to the amount of claims made within a certain timeframe within the zip code "area". The more storm claims made in one area makes it a higher risk area for insurance. This is what affects the premiums as a whole for the region/area.