Just as the title suggests. A relative has a claim in for weather related structural damage to their home which will be for approx 20 k. Will they be penalised for this claim in their insurance premiums in future years. Company have made them an offer and they have to decide whether to accept. It will more than cover the costs but will they end up paying larger insurance bills into the future, which could be a problem for them as they are pensioners. they could probably get work done for less if they got a few different quotes. Loss adjuster did the figures for them.