Every time I have to pay my Safeco premium, I feel nausea. Why do I continue to pay them? Kent Stiles reported the cause of my claim as water damage to the powers that be that get to know you have made a homeowner’s claim. Because of your claim, just like when you make an auto claim, your rates go up. But, depending on the degree of liability, rates can be raised disproportionately. Example: My damage was caused by the winds. Stiles reported this as water damage. Another insurance provider wanted $200 more to insure this worthless piece of brand new house. So, forced to stay with Safeco despite their robbing me.