I don't handle that kind of insurance, but I am licensed for it. Here's how this works (check with your agent to be sure, as that cannot hurt you in any way)--the insurance will only cover the part that was damaged, and then only on a pro-rata basis. For instance, if the adjuster determines you have 40% of your roof damaged, and it is ten years old, with a life expectancy of twenty years, then they will pay 40% of HALF the cost of a new roof--minus your deductible. In other words, not much. One claim should not cause a rate increase. We are all in for a rate increase due to the terror attack of Sept. 11, 2001. All insurance companies pay for a loss of that magnitude (something called reinsurance), and all of us ultimately pay for it. State Farm's rates went up 80% this year. American Family raised theirs 37%, but mine "only" went up 25% [i]because I have never had a claim.[/i] You can figure it out from there. [:)]