When I am discussing the possibility of listing of a client's property, I lways inquire about prior insurance claims. Sellers sometimes forget them and fail to disclose them on a Real Estate Transfer Disclosure Statement in California.
It becomes a problem if potential buyers check with the Building and Planning Department for permit history. Most insurance claims involve some type of building permit.
If the buyers discover evidence of an insurance clam that has not been disclosed, it may kill the deal!
If you are considering placing your home on the market, spend some time reflecting on all the events that have occurred since you purchased the home.
It is much better to disclose a possible issue than neglect to disclose and become libel!