<p>My husband and son own a house that my son lived in while attending medical school. As the house did not sell when he graduated, we decided to rent it to other medical students. As the homeowner’s insurance had to be changed to a rental property insurance, our agent was pricing policies for us. </p>
<p>I get a call yesterday that she is having trouble with a policy due to the claim made in February 2009. Seems the reporting agencies show a claim, not on our policy, but on the property. Our agent thought maybe my son’s roommate had made a claim, which he had not. She said sometimes a claim from a previous owner will sometimes show up in error, but that also was not the case. The only information she is able to get at the moment is the amount of the claim-$3800, and the insurance company. I asked if she can find out who filed the claim, but it is my understanding that she can not.</p>
<p>We are going to dispute the claim and hope that we can get a rental property policy, but in the meantime will keep our current homeowner’s policy. I understand we also have to contact the reporting agencies as this will show up on my husband’s and son’s reports. Once the agent sends me the information on Monday we will get right on that.</p>
<p>Is there something I can do to get to the bottom of this? The agent doesn’t move as fast as I would like and I want this cleared up sooner rather than later. My guess is this claim is for another address and just got reported to our address. The agent was a bit baffled as the claim was not showing on our policy, but she then assumed it was the roommate. If I had the name of the person that filed the claim, I would know if it was a neighbor and the address was just reported wrong.</p>
<p>It might not have been a roommate but even someone that was at the house and maybe fell down and got hurt or something. They could have filed a claim with their own insurance company and down through the process that insurance company subrogated the claim to your policy, meaning your company ended up reimbursing the other company. This is standard procedure for insurance claims, however, you should have gotten letter/phone calls about this. It’s possible they sent them to the address of the house and your son ignored them??</p>
<p>The claim is not on our policy, just our address. We had no knowledge of the claim, nor does my son or insurance company. If we hadn’t been trying to change policies, we would have never known. I wondered if a worker might have made a claim; although we didn’t have any work done during that period.</p>
<p>I find it incomprehensible that you cannot find out who filed a claim against YOUR property! What is the justification for withholding this information?</p>
<p>That is my question as the agent said she doesn’t have that information. My guess is that the address is wrong, but I want to get to the bottom of it!</p>
<p>Since this was a thief claim, my dad suggested I check with the local police department and see if they have a report at our address. I am also going to call the insurance company that the claim was made on and see if I can get information. They may not talk to me, but I am sure going to try!!</p>
<p>I’ve never heard of any insurance company database that tracks claims by address. That’s very strange. If your agent isn’t providing you with prompt follow-up, I’d go to whomever her supervisor/manager is and see what you need to do to get the details of this claim. You’ll want to get it cleared up quickly so that you have the right kind of policy in place. Most H/O policies require that the property be owner occupied so you may have an issue if there is a situation where a claim needs to be made and it’s actually a rental property.</p>
<p>Never heard tracking claims by address. There’s got to be another piece to the puzzle.</p>
<p>We have a rental property and have only a fire policy. The insurance company obviously
knows the property is a rent house. Never thought about it til now, but if somebody is injured, etc on the property who is libel for such injuries. Suppose this question I should ask.</p>