Most home insurance claims reflect on your record anywhere between five and seven years; however, the exact duration depends on the company pulling your claims history. This duration can also be determined by the damage type reported. Claims filed by the previous homeowners may also be included in the history if they've lived in the home within this duration.
Most companies, during your home insurance application, will access your claims history over the last five years through a database like the CLUE (Comprehensive Loss Underwriting Exchange). Based on the data derived from your CLUE report, your rates may be set higher or coverage denied altogether.
For claims filed by previous homeowners within the duration, an insurer may consider the nature of such previous claims in ranking your home or area as a higher risk for specific loss types and charge you a higher premium. Furthermore, if your data shows an extensive claims history, insurers may also charge higher premiums since there's a likelihood you'll be consistent with such a pattern.