We had both garage and house roof replacement last year due to water damage. Over $20k (usd) cost
That nearly tripled our annual. Had we known that, we would have never done the insurance route and I would have done the repairs and a metal over shingle meeself.
It raised our mortgage $600 monthly as the homeowners comes out of it.😡🤬😡
Yep, insurance can be somewhat of a trap when it comes to rising premiums due to claims. It's shit really.