Is my homeowners insurance public record?
Yes, home insurance claims are public record. In general, only the parties concerned have access to the full and revised homeowner’s insurance record. The policy owner and insurance provider are the parties involved in this situation.
How long does homeowners insurance claim stay on record?
Home insurance companies typically review your last 5 years, but this can be longer depending on the company. Another fact to make note of is that as claims age, they may have an increasingly smaller impact on your overall insurance premium.
How do I find my claim history?
There are a few ways you can check your claim history. The easiest way may be to ask your existing car insurance provider for details of any claims you’ve made in the past. This information could include: the date of any claims, the type of claims, how much was paid out and any injuries.
Do homeowners insurance companies share information?
Do auto and homeowners insurance companies share my information about claims and policies? Yes. There are specialty consumer reporting agencies that collect information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies.
Where can I Find my Home Insurance history?
The CLUE database is maintained by an information vendor, not another insurance company. If you apply for homeowner’s insurance with another company — say, you move to another part of the country – the new insurance company can access the CLUE database and learn of your past claims.
What kind of record does homeowner’s insurance have?
The CLUE is a record created by homeowner’s insurance companies that is shared with other insurance companies. It records how many and which type of claims you’ve made against your policy, including any potential claims that you discussed with company representatives and any claims that were rejected.
Do you get your home insurance claims history on the clue report?
Yes, most home insurance companies provide information to the CLUE report, so your claims history follows you. Your home’s claims history also influences rates — even if the claims were before you owned the home. Claims going back up to seven years will be on the CLUE report.
Do you get a loss history report when you buy a house?
Thanks to the Fair And Accurate Credit Transaction Act (FACTA), you’re entitled to one free copy of your report per year. When you apply for homeowners insurance, your insurance company will request a loss history report to determine whether you, the buyer or the seller have filed any claims during the past seven years.