Will filing a claim make my insurance rates go up?

Great question — and one that causes a lot of confusion. The truth is: most hail claims in Colorado do not raise your individual rates. That’s because hail is considered an “Act of God” — a weather-related, non-negligent event. Insurance companies typically spread the risk across entire ZIP codes, not individual homeowners.

Where Faraday makes the difference is in helping you handle the claim strategically and correctly. If you file prematurely, or without clear evidence of damage, it can leave a “zero-pay claim” on your record — which sometimes can impact future underwriting. We make sure that never happens.

Our team inspects first, confirms legitimate damage, and then helps you file with all the right documentation in place. That means no wasted claims, no missed coverage, and no unnecessary risk.

Faraday also works directly with your adjuster to ensure your policy’s full replacement benefits are applied correctly — from depreciation recovery to code upgrades. We help you maximize the payout so you get the best possible restoration while keeping your claim history clean.

So no — you don’t need to fear filing a claim when you’ve truly got hail damage. With Faraday’s guidance, you’ll file smart, stay protected, and restore your home without stress or regret.