Homeowners' Insurance Claims?

I know this community is for new/first time homeowners...but I'll ask anyway. Has anyone had to make a claim on their homeowners' insurance, and if so, how did it affect your rates?

community.livejournal.com/my_first_home/72589.html

Insurance Claims Adjusters Were Exempt From FLSA

In this class action case, more than 2000 current and former insurance claims adjusters sought overtime pay under the Fair Labor Standards Act (FLSA), alleging that Farmers had improperly classified them as exempt administrative ...

www.elinfonet.com/newscount.php?popID=5862