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.