Will a past insurance claim on the house raise my premium (CLUE report)?
A past insurance claim on a house can affect your homeowners insurance premium. Insurance companies use a CLUE report, which stands for Comprehensive Loss Underwriting Exchange, to see the property's claim history, typically for the past five to seven years. If the home has had claims for water damage, roof issues, or other significant events, some insurers may charge higher premiums or exclude certain coverage. In some cases, if the claim history is severe, an insurer may decline to cover the property altogether. The specifics depend on your situation and a licensed insurance agent should confirm, and Jon can connect you with one.
Specifics depend on your situation and should be confirmed with an insurance agent. Jon can connect you with one: text (623) 826-0888.
More on title, insurance and taxes
- How much is homeowners insurance in Phoenix and what does it cover?
- How do property taxes work in Arizona and how are they calculated?
- Do I need flood insurance in Phoenix?
- What is title insurance and do I need it?
- What is the difference between a home warranty and homeowners insurance?
- Do easements, solar leases or liens on title affect me?
Meet Jon Hegreness
Jon Hegreness
REALTOR / Associate Broker · Howe Realty
AZ License BR540940000
Full-time Phoenix North Valley REALTOR and Associate Broker with 24 years in Arizona residential real estate. A negotiator and problem solver who works the way you would want a friend in the business to work: direct, on your side, and steady through the parts that get complicated.