Yes, you may still have options
If you’ve filed two or three homeowners insurance claims during the past few years, you may be wondering if you can still get insurance.
The answer is yes—you may still have options.
Every insurance company has different underwriting guidelines. While some companies may decline an application because of claim history, others may still offer coverage depending on the type of claims, when they occurred, and the overall condition of your home.
At CEO Insurance & Financial Services, we work with multiple insurance companies and help homeowners compare their available options.
Call us today at (480) 270-2935 for a free coverage review.
Does every insurance company treat claims the same?
No.
Each insurance company has its own underwriting guidelines.
Some companies are more flexible than others when reviewing previous claims.
Your eligibility may depend on:
- The number of claims.
- The type of claims filed.
- When the claims occurred.
- The amount paid by the insurance company.
- Whether the damage has been repaired.
Every situation is unique, which is why comparing multiple insurance companies is important.
What types of claims are reviewed?
Insurance companies commonly review claims involving:
- Water damage
- Roof damage
- Fire
- Theft
- Liability
- Wind or hail damage
Not every claim has the same impact. Depending on the circumstances, some claims may affect eligibility more than others.
Can I still qualify for homeowners insurance?
Many homeowners with previous claims are still able to obtain homeowners insurance.
The available options depend on your individual situation, your home’s condition, and each insurance company’s underwriting guidelines.
We’ll review your claim history and help you compare the options that may be available.
Why choose CEO Insurance?
We represent multiple insurance companies—not just one.
If one company is unable to offer coverage because of your claim history, another company may have different underwriting guidelines.
Our goal is to help you find the best available insurance solution for your home.
Contact us today
If you’ve been declined because of previous claims or you’re concerned about finding homeowners insurance, don’t assume you’re out of options.
CEO Insurance & Financial Services
(480) 270-2935
We’ll review your situation and help you compare available homeowners insurance options.
Frequently Asked Questions
Can I get homeowners insurance after filing multiple claims?
Yes. Depending on the type of claims, when they occurred, and the insurance company’s underwriting guidelines, you may still qualify for coverage.
Do all insurance companies review claims the same way?
No. Every insurance company has different underwriting guidelines.
Will claims from several years ago affect my insurance?
They may. Many insurance companies review claims filed within the past three to five years.
What if I’ve been declined by another insurance company?
Being declined by one company doesn’t necessarily mean every company will decline your application.
Can an independent insurance agency help?
Yes. We compare multiple insurance companies to help you find coverage options that may fit your situation.