Do Property Insurance Companies track claim history?

As Florida Public Insurance Adjusters we get many calls from policyholders that are contemplating whether they should or should not file a claim.  There is one question that is commonly asked and it is: Do property insurance companies track claim history?

YES!  The system that is used for this exact service is provided by LexisNexis and is called C.L.U.E.  From what I know about it the reports will date back 7 years and be broken down into 2 categories, losses reported on you and losses reported on property that you own. 

All insurance companies do have their own underwriting guidelines and all will have in place a claim threshold.  They are looking at how many claims have been filed and for what.  From what I have heard they are not as concerned with natural disasters as they are with risk specific claims, meaning claims caused by fires, broken pipes, etc.  

When contemplating filing a claim there are many factors that should be taken into account.  As Public Adjusters we will always offer a free inspection or claim evaluation to see if it does in fact make sense to file a claim in your situation as you do not want to be classified as a person that files a claim for everything and anything that goes wrong with your property.

[maxbutton id=”1″]

 

Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Duane M. AvatarDuane M.

    I highly recommend claim concepts. Greg was extremely pleasant to deal with, yet firm and persistent in getting us the results necessary. I highly recommend them. You won't be disappointed. - 10/23/2017 

    me m. Avatarme m.

    Great effort by Greg and Eric . Really did a fine job for us by collecting the amount needed to repair house. - 10/23/2018 

    Louis S. AvatarLouis S.

    In a rather difficult time, Greg was reassuring, very professional and genuinely interested in our project. We had frequent updates and he saw the situation through to completion. I highly recommend Claim Concepts. - 10/23/2017 

  • Joel Z. AvatarJoel Z.

    The most professional organization that you will ever deal with.They really know the inner workings of insurance companies and how to get you what you deserve.It was an absolute pleasure working with Eric and the entire staff.They let you know step by step where you are in the negotiations and conduct themselves as true gentleman.I cannot praise their work ethics and follow through anymore than by giving them my heartfelt “thanks”, for a job well done.Ellen & Joel Zeiger - 10/23/2018 

    Vitasta M. AvatarVitasta M.

    Claim concepts helped us file a claim that I insurance company had denied. they came up with a very detailed estimate and were helpful throughout the process - 11/23/2018 

    David L. AvatarDavid L.

    Claim Concepts did a great job getting us the money need to replace all that was ruined by the water damage caused by a leaking under the sink water treatment system. We were very happy with the results. - 10/23/2017 

Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres