u/InformalPlastic3338

I was recently impacted by a wildfire. Thankfully my home survived. We have 5 burnt trees and possible smoke damage in the house though we and others cannot detect an odor.

I have a 3 year statute of limitations on my policy for claims.

Those that file claims typically see a 22% to 29% increase in premium. I know my rate is going to go up next renewal regardless for inflation plus the fire. The question is, do I file now for the trees plus likely toxic smoke damage in my home or wait until spring to see if the trees come back and they raise my rates regardless?