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Under contract on a home — discovered claim for a water spot while shopping insurance

We learned through our insurance quote process that the sellers had a prior claim. They said after Hurricane Helene (2024) there was a small water spot at the ceiling-wall junction in the first floor living room. Home wasn’t in the direct path but located outside Greenville SC. Sellers only spoke with someone on the phone — no adjuster came out — and the sellers said it went away. Nothing was paid out. The sellers say this has never happened prior to and hasn't happened since.

The CLUE report showed no info besides the date, $0 payout and the word “WIND”, but the sellers say the issue was water as noted above. We have no records of any remediation and the sellers have not mentioned doing anything to address it other than calling their insurance company because they didn't know what else to do. The house was built in 2019. Our inspector was not aware of this during the original inspection and sellers did not include it on the disclosure.

We have scheduled a re-inspection with an infrared camera and a roofer to assess the roofline transition and window flashing before our deadline. We are also checking with our insurance agent on claim history.

Questions:

Any red flags we're missing?

Should we consider walking away or are we over thinking it?

Thanks in advance!

submitted by /u/HearingEarHuman
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source https://www.reddit.com/r/RealEstate/comments/1sct2jy/under_contract_on_a_home_discovered_claim_for_a/
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