How to Get an Insurance Loss Run Report
Call or email your insurer and ask for a loss run report. Most send it within a few days.
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Why you need it now
A new insurer wants to see your claims history before they'll quote you, especially after a non-renewal. The loss run report shows every claim paid on the house, usually five years back. Without it, underwriters assume the worst.
Who you contact
Request the report from the insurer that dropped you, not an agent who sold the policy but didn't underwrite it. If you've switched companies before, you may need to request reports from each prior insurer separately to cover the full history.
What slows this down
If the policy was canceled for nonpayment rather than claims, the insurer still has to produce the report, but staff turnover or old policy numbers can stretch the wait past a few days. Ask for a reference number when you call.
Reading what it says
The report lists dates, cause, and amount paid for each claim. A pattern of small water claims reads differently to underwriters than one large wind claim. Check it against your own memory of what happened before you send it anywhere.
Every day without coverage is a day closer to your lender's deadline, and a clean loss run report can be the difference between a standard quote and a non-renewal following you to the next insurer. Comparing quotes now, report in hand, shows you whether another company will price your claims history fairly instead of assuming the worst.
What if the report has a mistake on it
A loss run report is pulled from the insurer's own claims database, and those records get entered by different adjusters over different years. Wrong dates, a claim listed as paid when it was actually withdrawn, or a cause of loss that doesn't match what happened all show up more often than people expect. If something on the report doesn't match your memory of the claim, call the insurer and ask for a correction before you send it to anyone quoting you.
Getting a correction made takes longer than getting the report itself. The insurer has to pull the original claim file, confirm what the adjuster recorded, and then reissue the report. This can take a couple of weeks, so check the report as soon as it arrives rather than waiting until you're ready to apply for new coverage.
A mislabeled claim can cost more than a mistake on paper. If a report shows a claim as a burst pipe when it was actually a slow leak from poor maintenance, an underwriter may price it, or decline it, based on the wrong cause. Water damage from a sudden pipe break and water damage from a maintenance issue are not treated the same way by most insurers.
If the insurer won't correct an error, most states have an insurance department that handles disputes like this, and a written complaint on file can matter later even if the correction itself takes time. In the meantime, keep your own documentation of what happened, repair invoices, adjuster notes, anything dated, so you can explain the discrepancy directly to a new insurer if the report doesn't get fixed before you need it.
What if your old insurer won't send the report
Some insurers are slow because of staff turnover or because your policy number is old. A smaller number don't respond at all, even after a few calls. If it's been more than two weeks and you still have nothing, put the request in writing by email or certified mail. Keep a copy of what you sent and the date you sent it.
A written request changes how the insurer has to treat it in most states. A phone call can get lost or forgotten by the next shift. A dated letter asking for your claims history creates a record that the insurer received the request. That record matters if you later need to show a new insurer, or your state's insurance department, that you tried.
If the insurer still doesn't respond, the state's insurance department can often get a report released on your behalf. Filing a complaint there costs nothing. Most departments have a form built for exactly this situation, and they've handled this exact problem before. It won't happen overnight, but it moves faster than waiting on an insurer that has already shown it isn't responding to you directly.
While you wait, a new insurer may be willing to quote you using other evidence instead of the formal report. Your own written account of past claims can help, along with repair invoices or a letter from your prior agent describing what happened. Ask whoever is quoting you what they'll accept, because this varies by company and sometimes by the underwriter handling your file. Some will hold a quote open for a short window while the paperwork catches up, especially if your lender's deadline is close and you can show the request is already in motion. Others need the report itself before they'll commit to a number, so it helps to ask early rather than assume.
Before you request anything
Check your non-renewal letter for the date coverage ends, and find your old policy numbers. Having both ready when you call speeds up the report and gives you a real deadline to quote against.
