How long do home insurance claims stay on your record?

A home insurance claim will typically stay on your record anywhere between five and seven years, but some insurance companies may not look as far back as others..

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Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and

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Homeowners insurance protects your home and personal belongings from covered damages or losses. In the event your house is damaged or burglarized, you can file a home insurance claim with your insurance company to be reimbursed for the loss.

While filing claims are how you make use of your homeowners insurance, there's a caveat involved: claims often stay on your record anywhere between five and seven years. If an insurance company notices you have multiple claims on your record, they may charge you higher rates or deny you coverage altogether.

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How long does a home insurance claim stay on your record?

Home insurance claims will stay on your record anywhere from five and seven years but the exact time frame depends on the insurance company pulling your claims history. The amount of time can also depend on the type of damage that was reported. Claims that were filed by the previous owners of your home may also show up on your claims history.

When you apply for home insurance, most companies will access your claims history from the last five years through a database like the Comprehensive Loss Underwriting Exchange, or CLUE. Based on the information they find in your CLUE report, an insurance company may set your rates higher or deny you coverage altogether.

Your CLUE report may also include claims from past owners if they lived in the home within the past five years. Depending on the nature of those previous claims, an insurer may consider your home or area at a higher risk for certain types of losses and you could be charged a higher premium as a result. If you have an extensive claims history, insurers may also quote you higher premiums since it’s likely that you’ll continue to file more claims.

How do claims affect your homeowners insurance?

Filing claims can impacts your homeowners insurance in two noteworthy ways: they can cause your rates to go up and they can make it more difficult for you to buy homeowners insurance down the road.

When you get home insurance quotes, your rates will be determined, in part, by your claims history and your likelihood to file a claim. You may be denied coverage altogether if companies that are more risk-averse see you’ve filed multiple claims.

Along with claim filing frequency, companies will also look at the type of losses your home has suffered. Claims related water damage, theft, and dog-bite liability tend to have a bigger impact on your rates than weather-related losses.

In most cases, you'll find out about claim-related rate increases at your annual policy renewal. If you noticed your rates went up since your last policy term, make sure to ask your insurance provider for the reason.

Average cost of home insurance after you file a claim

Here's a look at home insurance premium adjustments for a few popular insurance companies based on the number of claims filed over a five-year period:


No claims

1 claim

3 claims

5 claims
















American Family





ASI Progressive




















Plymouth Rock










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Methodology: Average annual rates are based on our analysis of home insurance premiums provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C. for policyholders with different claims histories.

Factors that affect how long a claim stays on your record

There are a number of factors that impact how long a home insurance claim stays on your record, including:

  1. Insurance company practices. Each insurance company has their own internal rules and regulations regarding how long claims stay on your record.

  2. The insurance laws in your state. Insurance laws are set at the state level, so how long you can expect a claim to stay on your record may be impacted by your local laws.

  3. The size and type of claim. Larger claims (or claims for things like water damage or dog bite liability) may stay on your claim history longer than other types of damages.

How to keep your home insurance rates from going up after filing a claim

Before filing a homeowners insurance claim, ask yourself whether it's something you'd be able to pay for on your own with a few month's savings. In general, if the damage or loss is close to your deductible amount, it's likely not worth filing a claim.

For example, say your home insurance deductible is $1,000. If your septic tank is damaged and the estimated cost to repair it is $1,100, you'd only receive a check for $100 after payment of your deductible. In this instance, $100 in savings is not worth the potential rate increase at your next policy renewal.

But home insurance is there for a reason, and filing a claim is often unavoidable. If your rates go up after a claim, or you find out at renewal that your rates are increasing, it’s probably a good time to re-shop your home insurance coverage. You may find that you’re able to get the identical coverage for a much lower rate, even with a claim on your record.

Frequently asked questions

Do home insurance claims follow you?

Yes, home insurance claims are reported through the Comprehensive Loss Underwriting Exchange, or CLUE. Every claim is reported to CLUE and insurance companies review your CLUE report when setting your rates or deciding whether or not to sell you a policy.

How many claims is too many for homeowners insurance?

Every insurance company has their own standards but, generally speaking, filing more than one claim in a given period of time (usually five years, but that could change from one company to another) will cause your rates to go up, sometimes significantly. More than two or three claims in a given period may be enough for some companies to deny you coverage altogether, which means you may need to apply for coverage through your state's FAIR plan if you have more than two or three claims.

What should you not say to a home adjuster?

When speaking to a home insurance adjuster, you should never:

  • Admit fault

  • Underestimate damages

  • Mention fraud, even if it is intended to be a joke

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