An insurance claims history letter shows past insurance claims on a home, and it is a standard part of Arizona home sales.
In Arizona, the Seller is required to deliver an Insurance Claims History Letter to the buyer. What is it? 🤔 When do I need to give to the buyer? ⏰
Why the Insurance Claims History Matters
The standard Arizona purchase contract asks sellers to provide a five-year insurance claims history for the property, or for the time they have owned it if shorter. It can come from the seller’s insurance company or a consumer reporting agency.
Buyers use it to spot past water damage, roof claims or other issues that may need a closer look during the inspection period. It can also affect what a buyer pays for homeowners insurance.
Sellers can request the report early to avoid delays. For more on each step of a sale, see my seller resources or buyer resources.
Sellers who have filed a claim should not panic. A past claim that was repaired properly, with receipts and permits, is usually easy to explain. What matters most is honest disclosure and documentation. If a report shows a claim you do not recognize, contact the reporting company to correct it before you list. Buyers who see a claim should ask what happened, who did the repair work, and whether any warranty transferred. Your inspector can then take a closer look at that area. For more on consumer rights and property transactions in the state, visit the Arizona Department of Real Estate.
