 If the insurance company does not make money, they will either raise the rates and or raise the deductibles or they'll just leave the state. We need all the secrets. JP West, an insurance broker in Colorado Springs, warns you may be increasing your bill unknowingly. If you call and just say, hey, can you come check out my roof? That shows up as a hail claim. And then if you say, oh, never mind, it's not enough damage or I'm going to cover it myself, it still shows up as a $0 claim and then counts against your claims experience.