Will My Insurance Go Up After a Hail Damage Claim in Texas?

# Will My Insurance Rates Go Up After a Hail Claim in Texas? **Short answer: No. Filing a comprehensive hail damage claim in Texas will not increase your individual auto insurance rate.** Here's the full explanation. ## Why hail claims don't raise your rate Texas auto insurance is divided into two main coverages: - **Collision** — for damage from hitting something (or being hit by another vehicle) - **Comprehensive** — for damage from things outside your control (hail, wind, theft, vandalism, falling trees, animals) Hail damage falls under **comprehensive**, which is treated as **no-fault** under Texas Department of Insurance (TDI) regulations. Insurance carriers cannot raise your individual rate for filing a no-fault claim. ## What CAN happen (regional rate adjustments) Carriers DO sometimes raise rates **across an entire zip code or region** after a major hailstorm event — for example, if Plano gets hit by 4 storms in a season, every comprehensive policy in Plano might see a small rate increase regardless of whether individual customers filed claims. This is **not personal**; it affects every customer in that geography equally. The takeaway: your neighbor's rate goes up by the same amount whether you file a claim or not. So you might as well file. ## Source documentation - [TDI Auto Insurance Guide](https://www.tdi.texas.gov/pubs/consumer/cb020.html) - [Texas Insurance Code §544.054 — Unfair Discrimination](https://statutes.capitol.texas.gov/Docs/IN/htm/IN.544.htm) (prohibits raising rates based on no-fault claims) ## What if I have multiple hail claims in one year? If you've had 3+ comprehensive claims in 36 months, some carriers may decline to renew your policy at the next renewal — but they cannot retroactively raise your existing rate. If this happens, we can help you find a new carrier that does write hail-active markets. ## Should I file or just pay out of pocket? Almost always, **file the claim**. Here's why: - The claim is no-fault (no rate increase) - Comprehensive deductibles are usually $250–$1,000, but actual repair costs run $1,500–$10,000+ - Hail damage will reduce your trade-in or resale value by **15–30%** if not repaired The math almost always favors filing. ## We handle the claim for you VIP Hail Service files and manages your insurance claim from start to finish — you don't have to call your carrier even once. Call **(469) 313-6954** or [book your free inspection](https://viphailservice.com/book).