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.

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What our clients say…

  • Jackie M. AvatarJackie M.

    Eric and Greg did a great job in negotiating a settlement even after the Insurance company denied my claim. I got enough money to complete repairs after paying their fee. Thank you for what you do. I highly recommend them. - 10/08/2017 

    Bryan B. AvatarBryan B.

    Greg was very helpful with my insurance claim. He was always just a phone call away. I hope I never have another mishap in my home, but if I do I will not hesitate to contact Greg Roover at Claim Concepts. - 10/02/2017 

    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 

  • Fred L. AvatarFred L.

    Greg was most helpful and with his hard work assisted us in dealing with a very difficult insurance company and getting results.

    Thanks much Greg. Did a great job - 6/19/2017 

    Sandi D. AvatarSandi D.

    We had some problems with checks from the bank from a insurance claim...Greg helped us through this gregarious process! We will go back to him in the event we need a private adjuster! He is great and professional! - 10/23/2017 

    OSM_ J. AvatarOSM_ J.

    These guys are amazing they will fight for you and make sure even after they're done with their job they still answer questions for you in regards to your insurance claim. I've been battling back-and-forth with my mortgage company trying to release my funds and Eric has been amazing still helping me even though his job has been done. Greg and Eric are an awesome team if I ever need a public adjuster again they will be my number one guys to call no hesitation! - 6/20/2018 

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