How Long Do Claims Stay on LexisNexis?
Most insurers report claims to LexisNexis for seven years, and insurers can see that history when pricing your renewal.
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The seven-year window
A claim filed five years ago can still show up on your CLUE report today. Insurers pull this history at renewal even if nothing happened on the house this year, and a past claim can carry weight long after you stopped thinking about it.
Claims versus inquiries
Calling your insurer to ask about coverage doesn't always create a claim record, but filing a claim does, even one that was later withdrawn or paid for out of pocket. Your CLUE report shows what was reported, so request a copy to see exactly what's listed.
Whose claim it was
If you bought the house recently, claims the previous owner filed on that address can still turn up and affect how insurers price the risk of covering that property, separate from anything in your own claims history.
What you can still do
You can't erase an old claim, but you can dispute an error on your CLUE report, ask your current insurer what drove the increase, and get quotes from other insurers who may weigh that same history differently.
Same history, different price
Your CLUE report looks the same to every insurer, but each one weighs that history its own way. One insurer's renewal increase isn't what another would charge for the same seven years on file.
What actually falls off after seven years
The seven-year count usually starts from the date the claim was filed, not the date it closed or the date of the loss itself. A claim that took a year to settle still ages off based on when it was opened. So if you filed in March 2018, that record is generally gone from your CLUE report by March 2025, regardless of how long the repair took or when the final payment went out.
Not everything ages at the same rate. Some insurers weigh a claim from six years ago very differently from one filed six months ago, even though both still show up on the report. A single older claim, especially one paid out at a modest amount, often matters less at renewal than a recent one or a pattern of two or three claims close together. The report doesn't expire gradually, but how much weight an insurer puts on an older entry often does.
The type of claim matters too, separate from age. Water damage and foundation-related claims tend to carry more weight with insurers than, say, a single wind or hail claim, because water and foundation issues are statistically more likely to recur at the same property. If your CLUE report shows an old water claim next to a newer unrelated one, an insurer may read that differently than two unrelated claims spaced years apart, even though both scenarios show the same number of entries.
None of this is adjustable by asking your current insurer to remove something early. Insurers don't have the ability to shorten the seven-year window, and no insurer can selectively erase one entry while keeping others. What you can do is get a copy of your CLUE report, confirm the filing dates on anything listed, and know exactly what will still be visible next year and what's set to roll off. If a renewal increase lines up with a claim that's about to age out, that's useful to know before you decide whether to stay or compare other insurers now.
Does moving to a new house reset any of this
Changing addresses doesn't touch your claims history. The seven-year count is tied to you as a policyholder, not to the house you were living in when you filed. Sell the house, buy a new one, and the claim moves with you onto the new policy's pull of your CLUE report. An insurer pricing your next home's policy can still see a water damage claim from a house you no longer own.
The reverse matters just as much. If you're buying a house, what counts isn't only your own history but the address itself. Claims the previous owner filed stay attached to that property's record. An insurer pricing your new policy may weigh both your personal history and what's on file for the house you're about to own. A property with two or three claims in recent years can affect pricing or even availability of coverage, regardless of who filed them.
Checking this before closing matters more than checking it after. Some insurers let you request a CLUE report on a property you don't yet own if you have the seller's permission or are already under contract, and a title company or real estate agent can sometimes help with this. Finding out a house has a history of foundation claims or repeated water damage before signing gives a real choice. Finding out at renewal, after a premium comes in high, doesn't.
A single old claim on a property shouldn't rule out buying it on its own. Insurers weigh age and claim type the same way they would on a policy you've held for years. A roof claim from eight years ago that's already aged off the report carries no weight at all. Knowing what's actually listed matters more than assuming a price is set in stone, whether the claim is yours or came with the house.
Before you decide
Pull your CLUE report and check the filing date on anything listed. If an old claim is close to aging off, that alone could change next year's renewal, and it's worth comparing quotes now rather than waiting.
