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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  • Rick P. AvatarRick P.

    Eric & Jesse were great to work with. They were very efficient and kept us updated though out the entire process. They were able to negotiate a satisfactory settlement. Thank you Claims Concepts (Eric/Jesse) for all your help!! I highly recommend Claim Concepts if you ever need a Public Adjuster. - 10/23/2018 

    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 

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    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 

    Christian T. AvatarChristian T.

    During a very stressful time my mother went through with her house, Greg Roover and Claim Concepts helped take the brunt of work off my shoulders. Nicest guy youll ever meet, extremely helpful. They made it so easy for me and are still there for me if i ever have any questions. Good pick for anyone looking. - 10/02/2017 

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