What Is a Loss Run Report in Property Insurance?
Last updated October 26, 2026
The short answer
Understanding Loss Run Reports
A loss run report is an official document from your insurance company that lists every claim you have filed on a property, such as your home or rental unit. It includes the date of each claim, the reason for the claim, and the amount the insurer paid out. This report gives both you and potential insurers a clear picture of your claims history.
When you apply for a new homeowners policy, the insurer often asks for this report to evaluate the risk of insuring you. A history with frequent or large claims may affect your premium or coverage options. The report is generated by your current insurer, and you can request it directly from them, usually at no cost, though some insurers may charge a small fee.
Why You Need a Loss Run Report
You need a loss run report when you switch insurance providers or renew your current policy. It helps you verify that your claims history is accurate and complete. Mistakes in your claims record can lead to higher premiums or denial of coverage, so reviewing the report is a smart step before making any changes.
The report also helps you spot patterns, such as repeated water damage from a leaky pipe or storm-related claims. If you live in Doral, where humidity and hurricane season are part of life, understanding your claims history can help you prepare for future risks. Keep a copy for your records and share it only with trusted parties, like your insurance company or a financial advisor.
- Shows claim dates and types
- Lists amounts paid by insurer
- Helps new insurers assess risk
- Reveals potential errors in your history
- Useful when comparing policies
- Request a fresh copy each year
How to Request a Loss Run Report
To get a loss run report, contact your current insurance company directly. You can call the customer service number on your policy documents or check your online account. Many insurers allow you to download the report instantly from their website, while others may mail it to you within a few business days.
Make sure you request the report for the specific property you are insuring, not just your personal auto or renters history. If you have had multiple policies with the same insurer, specify the time period you need. Keep the report in a safe place, as you may need it for future insurance applications or when discussing your coverage with a professional.
What to Look for in the Report
When you receive your loss run report, check each entry for accuracy. Verify that the dates match your memory, the claim types are correct, and the amounts paid are right. If you see a claim you do not recognize or a mistake in the details, contact your insurer immediately to correct it.
Also note the status of each claim, such as open, closed, or paid. Some reports include notes about the cause of loss, which can be helpful. Understanding these details helps you explain your history to a new insurer and avoid surprises during underwriting.
- Correct dates and claim descriptions
- Accurate payment amounts
- Claim status labels
- Any unexplained entries
- Your policy number and personal info
Using the Report for Insurance Claims
Your loss run report is not just for switching insurers; it also helps you manage existing claims. If you have water damage from a burst pipe or a storm, the report shows what was paid and when. This can help you track how much you have received and whether any deductibles apply to your current policy.
Policies vary, and your insurer decides what is covered. If you are dealing with water damage, a loss run report can give you a clearer picture of your claims history, but it does not ensure future coverage. For help with the actual restoration, local water damage pros can handle cleanup and repairs, but they do not access your insurance records for you.
Water damage does not wait
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Call Now (305) 614-9705Frequently asked questions
How far back does a loss run report go?
Most insurers provide a five-year history, but some may go back further depending on their policies. You can request a specific time period when asking for the report. The report typically includes all claims filed on the property, even if you were not at fault.
Can I get a loss run report if I have no claims?
Yes, you can request a loss run report even if you have never filed a claim. It will show a zero-claims history, which is a good sign for insurers. This can be helpful when shopping for a new policy, as it demonstrates a lower risk profile.
Does a loss run report affect my insurance rates?
Yes, a loss run report can influence your insurance rates because insurers use it to assess risk. A history of frequent or large claims may lead to higher premiums. However, a clean report with no claims can help you secure better rates. Policies vary, and your insurer decides what is covered.
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