Hurricane Insurance Claims

[Luke Robins]

I had some storm damage from hurricane Irma at a property, really just a bunch of shingles broken. I've heard it's rarely a good idea to file a claim against insurance because it can raise rates or cause insurance companies not to renew the policy.  I also just read the hurricanes are considered an "act of God" and claims will not raise your rates. Doe anyone have experience filing a claim for hurricane damage?