In article , Joshua Putnam
says...

In article ,
says...
That's a very interesting point you've brought up Joshua. I wasn't
aware that one could request an official loss history on the property
they're buying. Smart idea.

It's especially useful if the seller has claims they don't even know
about -- some insurance companies have a habit of recording even a
hypothetical inquiry as a claim. I've seen properties with multiple
"claims" that never happened -- somebody sees flooding in their
neighborhood, calls to ask if the damage would be covered if their
house flooded. The answer is no, because that would be flood
insurance, but the company records a water damage claim with zero
paid out.

Word to the wise -- when you have a question, call your agent. Save
the claims number for when you actually want to file a claim.


Yes, I had that experience too concerning a hypothetical question about some
water damage (I fixed, had planned to anyway).

Don't ask hypothetical questions to the claims number!

Banty