What Is CLUE?
The Comprehensive Loss Underwriting Exchange (CLUE) is a nationwide database that lets auto and homeowners insurers share information about past property loss claims and coverage inquiries.
ChoicePoint maintains the CLUE database, and insurers commonly check it when you apply for homeowners coverage on a new property. The report can show claims filed on the house by prior owners and past inquiries about damage even when a claim was not filed.
Because many insurers use CLUE when underwriting, unexpected entries can affect whether coverage is offered or how much it costs.
What Do I Do about CLUE?
- Notification if an insurer plans an adverse action (for example, higher premiums or denying coverage) based on your CLUE report.
- Access to your CLUE report and insurance scores; federal rules generally entitle you to one free copy per year and additional copies in certain adverse situations.
- The right to dispute inaccurate or incomplete report entries; ChoicePoint must investigate disputes and append a statement if you remain dissatisfied.
Know your rights under the Fair Credit Reporting Act and related consumer protections so CLUE entries can't blindside you during a home purchase.
Your insurer can access CLUE when you apply for homeowners coverage, so it helps to review a property's history early in the process. For guidance on preparing to insure a purchase, see Home Buyers: Make Securing Homeowners Insurance a Top Priority.
Keep in mind you generally cannot obtain a CLUE report for a home you don't yet own; a real estate professional or the seller can request it for the property. If past claims on your prior residence are on file, they can also influence underwriting for your next home.
For more detail about typical homeowners policies and how insurers evaluate property risk, see Home Buyers: Make Securing Homeowners Insurance a Top Priority. If you need help evaluating coverage options, ask your agent.
Frequently Asked Questions
What information appears on a CLUE report?
CLUE lists property loss claims and coverage inquiries tied to an address or individual, including claim dates, types of loss, and amounts paid.
Can I get a free copy of my CLUE report?
Federal rules typically give you one free copy of your CLUE report each year and additional copies if you experience a policy cancellation, denial, or premium increase related to the report.
How do I correct errors on a CLUE report?
Dispute incorrect entries through the database manager; they must investigate and amend the report or attach your statement if the dispute is unresolved.
Will a previous owner's claim always prevent me from getting insurance?
Not always; insurers consider claim history along with other risk factors, but some past claims can increase premiums or limit carrier options.