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How do I get a false claim off my insurance report?

I am trying to get homeowners insurance. However, when agents search my history it shows that I have had two claims in three years. One of those was legitimate — my moped was stolen. The second was after my car was broken into. I had called my renter's insurance provider to discuss whether a claim would be necessary. We concluded one would not, since the items lost would not meet my deductible. Is there any way to get this claim off of my record since a claim was not made?

Jan 30, 2020 Atlanta, GA

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Author profile picture

Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out. Most companies will allow you to dispute the claim if you have proof on hand that shows it is not legitimate. Many claims systems don't look at the payouts when marking them, but an agent should be able to assist you in disputing the claim to make sure you are being rated properly.

If you have any questions, feel free to ask.

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