How long does a homeowner's claim stay on your record?

Home insuranceBuying a policyTexasChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Texas Department of Insurance · Home insurance guide · Understanding rates and premiums View original ↗

In short

A claim can show on a CLUE report for seven years.
The report follows you and the house.
You can get one free copy of your report each year.

What this means

In Texas, most companies use a report called CLUE to see your claims history. CLUE reports show the claims history of people and houses, no matter who owned them, for the last seven years [1]. Companies can report to CLUE only if you filed a claim [2].

A company can charge you more or refuse to sell you a policy based on your CLUE report [3]. A claim can also matter at renewal. Texas lets a company nonrenew if you file three or more nonweather-related claims in three years [4]. You can get a free copy of your report each year [5].

These facts come from the Texas Department of Insurance, so they are Texas guidance. The sources do not say how long a single company keeps a claim in its own files. Don't know yet.

Your next step

Ask for your free CLUE report (the Texas page lists LexisNexis) and check each claim on it. Challenge anything wrong. The sources give no deadline.

Check it yourself

Open the TDI home insurance guide and read "Understanding rates and premiums." Then read your CLUE report. How long a claim counts in other states or in a company's own rating rules: "Don't know yet".

Where this comes from (5)

[1] Texas Department of Insurance · Home insurance guide · Understanding rates and premiums · checked 2026-11-06
CLUE reports show the claims history of people and houses, regardless of who owned them, for the last seven years.
[2] Texas Department of Insurance · Home insurance guide · Understanding rates and premiums · checked 2026-11-06
Companies can report information to CLUE only if you filed a claim.
[3] Texas Department of Insurance · Home insurance guide · Understanding rates and premiums · checked 2026-11-06
A company can charge you more or refuse to sell you a policy based on the information in your CLUE report.
[4] Texas Department of Insurance · Home insurance guide · Losing your insurance, nonrenewal · checked 2026-11-06
You file three or more nonweather-related claims in three years.
[5] Texas Department of Insurance · Home insurance guide · Understanding rates and premiums · checked 2026-11-06
You can get a free copy of the report each year.

How we found this

We matched your question to 5 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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