"I had a Seller client who failed to record an insurance claim on the property disclosure. Their insurance company had paid the claim. However, when the buyers went to get home owners insurance they were denied on the property because they had to present evidence of the repairs being made from the insurance claim of a 'lightning strike.'

They knew nothing of it because it was not on the property disclosure. It turned out the claim was on a home computer and it was replaced by the sellers. They did not think it needed to be on the property disclosure because it was not the house. Sellers need to know ALL claims on their homeowners policy regardless of what they are required to disclose.

To avoid this situation, I'd suggest getting a CLUE report. A CLUE report will reveal if a claim has been made on the property. In this situation, the Sellers paid for a home inspection for the buyers and the property closed."