Have you got a C.L.U.E.?  It stands for Comprehensive Loss Underwriting Exchange and it tracks the claims history against a property address and the property owner as well.  Previous claims can have an impact against the ability of the home buyers to get insurance on the home they wish to purchase.  Properties with a high claims history are being identified by the insurance companies so the premiums they would ordinarily charge can be adjusted.  In some cases, the insurance company may even refuse to write a new policy for the buyer.  In Arizona, when you are in the initial 10 days inspection period outlined in the standard Arizona Association of REALTORS® purchase contract, it would be a good idea to secure an insurance commitment.  Also, an insurance company may refuse to write a policy on a home with a clean claims history because the buyer has a tendency to file excessive claims.

For more comprehensive information you can go to: http://www.choicetrust.com and even order a C.L.U.E. report.