The policyholder has never made a claim but reported a near-miss incident where a fire was quickly extinguished by the sprinkler system.

The policyholder has not made any claims but has significantly increased the value of the insured property through renovations.

The policyholder made one small claim for minor water damage caused by a burst pipe five years ago.

The policyholder has made two large claims in the past year: one for storm damage to the roof and another for a burst water pipe that caused significant interior damage.