A homeowners insurance company will check claims filed before you bought a house to make coverage and premium decisions.
If the seller filed multiple claims, an insurer might consider the property risky and charge you high premiums or deny coverage.
Contacting an insurance company to discuss needed repairs can automatically open a claim.
Even if the company doesn’t pay, the claim is still recorded in a homeowners insurance database.
If you and the previous owner have filed several claims recently, even ones that were closed without payment, you might be unable to get coverage.
Request a copy of the CLUE report on insurance claims before buying a home.
