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What is a Loss History Report?

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A loss history report is a listing of losses connected to an insurance policy. These reports fully explain the type of loss, date, claim amount, and its current status for up to five years in the past; they are the equivalent of a credit score. It's a crucial part of the underwriting process and an element of your insurance policy. Let's examine the significance of loss history reports and why homeowners should be aware of them.

Why Are Reports On Loss History So Important?

Loss history reports provide a five-year history of all claims filed. During the policy purchase process, underwriters utilize them to estimate the risk of insuring your home. The amount you'll pay for homeowner's insurance will be influenced by the number of claims made against the object you're attempting to insure (e.g., a house). (Keep in mind that insurance is all about risk!)

Where Can I Obtain A Report On Past Losses?

When an individual lodges a claim for their home or vehicle, the insurance company notifies the Comprehensive Loss Underwriting Exchange (C.L.U.E.). Carriers utilize a C.L.U.E. report during the underwriting and pricing process.

How Long Do Claims Remain On A Report Of Loss History?

Claims will often remain on a loss history record for five to seven years before removal.

What Does A Loss History Report Contain?

A loss history report provides a comprehensive account of a particular claim. Your report will indicate "no losses reported" if no claims are found. However, if a claim was filed, the following information will be included:

  • Name Policy number Policy phrase
  • Loss report valuation date
  • Date of filing
  • Date the claim was filed
  • Incident description (reason for claim)
  • Form of claim (insurance policy)
  • Amount paid by the insurer to date for legal/defense costs
  • Amount paid by insurance to date for settlement expenses, property damage, and medical expenditures
  • Amount set aside by the insurer for future expenses (reserve funds)
  • The present standing of the claim

How Do I Obtain A Report On Past Losses?

You can request a loss history report from the homeowner, driver, or dealership you're purchasing from or simply reach out to your insurance agent for assistance.

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