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…

  • Michael M. AvatarMichael M.

    Great effort by Greg and Eric . Really did a fine job for us by collecting the amount needed to repair house. - 6/09/2019 

    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. - 10/23/2017 

    Eric W. AvatarEric W.

    I had a fire in my house but the insurance company offered a fraction of the damage amount. Claim Concepts handled a difficult situation admirably and helped me get many times what I was offered. It was an unequivocal win! - 3/08/2020 

  • Tyler F. AvatarTyler F.

    Chris and his colleagues worked tirelessly to get my claim taken care of.They are the best insurance company I have ever worked with. I truly appreciated the time he took to explain my policy to me and the steps we needed to take to complete my claim.I will highly recommend them. - 8/23/2019 

    Stephen R. AvatarStephen R.

    Great people to work with. We had a flood from a broken pipe and the insurance company was not giving us enough money to pay for repairs. We hired Claim Concepts to handle the case and in the end we almost doubled the money originally offered by the insurance company! And, that was after paying the fee to Claim Concepts! Repairs are being made as I write. Thanks Gregg and Eric! - 10/06/2017 

    Frances T. AvatarFrances T.

    I am so thankful that I was referred to Greg Roover. He was professional and generous with his time and efforts in dealing with me, my insurance company and my construction people. Without him my loss would have been significantly greater and my recovery would have been delayed and costly. Thanks Greg! - 9/03/2017 

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