What is a CLUE Report?

If you’ve ever applied for home or auto insurance and wondered how insurers determine your rates, the answer often lies in something called a CLUE Report. At The Endeavor Agency, we believe in transparency and education, so here’s a quick breakdown of what a CLUE Report is and why it matters.

What Does CLUE Stand For?

CLUE stands for Comprehensive Loss Underwriting Exchange. It’s a national database used by insurance companies to track claims history on homes and vehicles. Managed by LexisNexis, the CLUE Report helps insurers assess risk based on past claims.

What’s Included in a CLUE Report?

A typical CLUE report includes:

• The type of property (home or auto)
• The insurance carrier’s name
• The policy number
• The date of each claim
• The type of claim (fire, theft, water damage, etc.)
• The amount paid on each claim

For homeowners, it tracks the claim history for the property. For auto insurance, it tracks claims tied to the driver and the vehicle.

Why Should You Care About a CLUE Report?

Understanding a property’s or vehicle’s claims history can help you avoid surprises, make smarter decisions, and potentially save money on insurance. Whether you’re buying a home, shopping for a new policy, or simply reviewing your coverage, a CLUE report provides valuable insight into past risks that may impact your future rates.

For Homeowners:

When buying a home, the seller’s property insurance claim history can impact your own future insurance premiums or even eligibility for coverage. For example, if the home had multiple water damage claims in the last five years, an insurer may see that as a risk factor.

For Vehicle Owners:

Even if you’ve never filed a claim, a CLUE report on your vehicle could still show prior accidents reported by previous owners, which could affect your insurance rates.

Can I See My CLUE Report?

Yes! You are entitled to one free CLUE report per year under the Fair Credit Reporting Act. You can request it directly from LexisNexis: https://consumer.risk.lexisnexis.com

You can also request a CLUE report on a home you’re thinking of buying, but the current property owner must request it and share it with you.

What If There’s a Mistake?

Errors can happen. If you spot something incorrect on your CLUE report, you have the right to dispute it. The process is similar to disputing an error on a credit report.

Want to Save on Home or Auto Insurance?

The Endeavor Agency makes it easy to compare coverage options and find the best fit for your needs. Request a free quote today, and don’t forget to ask about multi-policy discounts when you bundle home and auto insurance.

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