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Homeowners’ premiums don’t spike after claims

Filing a homeowner insurance claim is not as painful as many Floridians often assume.

The year after filing a claim here, policies rise just 3 percent for homeowner insurance coverage, according to a report from InsuranceQuotes.com, a website that provides free searches and quotes on insurance. That is below the 9 percent national average rate increase.

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Florida homeowners often put off filing claims with their property insurance companies under the assumption it will make future coverage prohibitively expensive.

But while Floridians get a break on rates after filing a first claim, they still pay some of the nation’s highest homeowner’s insurance premiums. [Sun-Sentinel] Jennifer White Karp

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