What actually happens
- A single weather-related claim typically has modest impact in Florida, where weather claims are expected
- Non-weather water damage claims tend to have larger impact on future pricing
- Multiple claims within 3 years can trigger non-renewal
CLUE report
Carriers pull a CLUE (Comprehensive Loss Underwriting Exchange) report at quoting and renewal. Your claim history is visible to every carrier for 5–7 years.
Don't skip a legitimate claim
Declining to file a legitimate claim to "protect" your premium is rarely the right math. An unfiled loss that later shows up at the next claim (undiagnosed water intrusion, deferred roof damage) is often denied as preexisting.