First time in 34 years of owning a house that we made a claim (only two of those years in Texas; the other 32 in the Bay Area). Can't wait to see how it will impact next year's rates, even though the insurance company indicated it won't.
My homeowner’s insurance premium doubled here in the Sierra foothills because of all the claims from fires throughout California. I’m not in a designated high-fire potential area but there are trees in this semi-urban neighborhood and the afternoon breeze sometimes exceeds ten mph.