The insurance companies now have a shared database that details claims on my property address, even previous owners. They now track by address like they do for car insurance by VIN and your license number. I believe this is new since I last bought a home here in 2016. The “local” agency made me aware of a previous “water claim” from 2014. They asked me to give them the inspection report. I did, but very quickly realized they had unethically requested it. If they ask you to share your inspection report, say No. tell them they are welcome to inspect the property themselves. And what do you know, they denied coverage based on a broken light switch from the inspection report and unrelated to the water damage they were interested in. They basically just con a free inspection. I did report the activity to state regulators. I know it won’t accomplish anything, but it will make them have to take the time to reply to the complaint. And, I went to another agency where they also had the database, knew there was a new roof, and had approval within five minutes to write the policy.
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