It seems to me that this is reasonable. For example, if your home has water damage every time it rains, the insurance company would know your home is a higer risk from the property history. The good part is, you'll know too!
Typically when you have a homeowners policy the insurance company will run a loss history report to see what claims have been filed, they are really checking on your history of claim filing, if a claim comes up on the home you are purchasing it may be documented within the company but doest count against you.
Also, an NFIP flood policy will list all prior claims for that property on the declarations page.
Yes, they can. Essentially the insurance company wants to determine two things:
1) Are you a good risk?
2) Is your home a good risk?
To answer the first, they take a look at your personal history. To answer the second, they take a look at the history of the home you are attempting to insure.
Sure, So long as you disclose the previous claim to the new company. Failure to inform the new insurance company of previous claims is insurance fraud by omission of a known fact and is a felony offense. Should the new insurer find out that you intentionally tried to conceal the previous claims they can deny any and all coverage under the new policy.
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