They don't care what the cause is, they'll raise your rates anyway, or your deductible or both. Insurance in this country is a joke. You can have it for years, but if you have to turn in a claim, especially a big one ( like a roof) they can raise your rates to new highs or drop you like a hot potato. Stay away from American Family, they do it frequently. Used to be a good company, but worthless now. Hope you're not with them, you'll get dropped if it costs them too much money. Just be prepared if you have to turn in a big claim, you'll have to pay for it one way or another. And too, if you have to turn in what they deem to many claims in a two or three year period, you'll get dropped as well. I've talked to many people it has happened to, including me!
