Your insurance rates do not automatically increase due to filing an insurance claim. Your insurance company cannot raise your rates if you file a claim due to n act of God. Generally, when a storm is labeled a catastrophic event due to hail and wind, it will affect a large geographical area. The insurance rates of properties within the affected area may increase regardless of whether a claim is filed or not. You should always feel free to call your local insurance agent to discuss your individual circumstances and concerns.