Understanding C.L.U.E. Reports
Also known as a Loss History Report, a CLUE Report is a record of insurance losses. Each month, participating homeowners and auto insurance companies report claims history information, which goes into a central database called the Comprehensive Loss Underwriting Exchange (CLUE).
These reports will show you the past 7 years of insurance claim history of the current homeowner. If you are a perspective buyer, it is important that you request this documentation from the current property owner before moving forward with a purchase. Homeowners can also request a free CLUE report.
When it comes to insurance companies, they exclusively use C.L.U.E. reports to underwrite and rate new policies. They have very little use for them outside of those factors, as they already have loss histories for existing policyholders and properties within their database.
If you find a mistake in a report, such as an incorrect loss payment or claim report, one can dispute it by contacting the company directly. Let them know what the issue is, and they will contact the insurance company on the individual’s behalf.
If you would like to obtain a C.L.U.E. report, you can request a copy from LexisNexis toll free at 1-866-312-8076 or by visiting personalreports.lexisnexis.com.