How Long Does A Homeowners Insurance Claim Stay On Record?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    As a matter of practice most insurance companies look back at three years of losses.  Companies are particularly concerned about recurring losses.  These usually indicate poor maintenance or a design flaw in the residence.  Recurring water damage losses from a leaky roof are a concern.  There are situations where the initial repair did not fix the root cause and continued claims can be expected. 
    Answered on March 20, 2014
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