flood history

[riveree]

Originally Posted by golfgal

No, those reports are on the PERSON, not the home. If you pull a report on yourself and you filed a claim at two different houses then they would show up on your report. If you pulled a report on the people that live in your old house and they haven't filed any claims nothing will show up. I think who ever told you this was thinking more along the lines of carfax and the accident/repair history of a car. Since that is all tracked by VIN number it is easy to do. Even the Choicepoint report on a person shows accidents for that person/car but if you sold the car to someone else those claims don't show up on Choicepoint for that car or the old accidents.

Ah, gotcha ! It makes sense - Choicepoint is more for the benefit of the insurers I guess and it would benefit them to know who files claims.

[golfgal]

Originally Posted by riveree

Ah, gotcha ! It makes sense - Choicepoint is more for the benefit of the insurers I guess and it would benefit them to know who files claims.

That is really what it is for. It would be nice to have something like Carfax for houses but really impossible to do.

[ivegotmoxie]

All flood insurance, not a burst pipe type, is administered through FEMA (fema.gov) via NFIP ([url=http://www.floodsmart.gov]Floodsmart | Flood Insurance | Flood Maps | Flood Risk | Flood Information[/url]). You can ABSOLUTELY get a complete history (from the time flood insurance was first issued on the property through current. It will include any/all FLOOD (again, not water damage) claims for the property and home (or other structures on the property) FOR WHICH A CLAIM WAS FILED. Keep in mind that on some minor claims people choose not to report and do any repairs/restoration themselves so there would be no way to find out about those unless you talked to the homeowner(s).

So again, for any FLOOD INSURED PROPERTY you can find and view all loss history IF a FLOOD CLAIM WAS FILED. The information on that claim is held (and available for public viewing) by FEMA. Click this link for add'l info:
[url]https://hazards.fema.gov/femaportal/wps/portal[/url]

Check out this link too!:
[url]http://www.esri.com/library/reprints/pdfs/federalgis_fema_flood_map.pdf[/url]

Also, your insurance agent (homeowners &/or flood) can (read - should be able to) look up & provide you with flood history for any property you are looking to buy or already own.

Good luck!