How Long Do Homeowner Insurance Claims Stay on Your Record

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How Long Do Home Insurance Claims Stay on Your Record?

This depends on the carrier, but the most common time period when quoting homeowners insurance is the last 5 years

There are some carriers that only look back 3 years, and some that will consider as long as 7 years, but those carriers are rare. 

Which Homeowner Insurance Claims Penalize You The Most?

While carriers always look at your claims history, they are going to penalize you for certain claims more than others. High penalty claims include:


Some claims do not penalize you as much because they are seen as more out of your control and often dependent on the weather. These lower penalty claims include:

  • Wind Damage Claim
  • Hail Damage Claim
  • Hurricane Damage Claim
  • Lightning Damage Claim
  • Freezing Damage Claim

In general, try to avoid filing a claim unless it is at least 2x-3x your deductible. 

How many homeowners claims is too many?

In general, you usually are ok with one claim in the last 5 years, especially if it is a low penalty claim above. Since 1 in 20 homeowners file a home insurance claim each year, there is a reasonable chance of having one claim on your 5 year claim history. Two claims in 5 years is where carriers start getting more sensitive and increasing the price a sizable amount. Greater than 2 homeowners claims in 5 years is when it starts getting more difficult to find insurance.

At your service,
Young Alfred