CLUE Report

What Does CLUE Report Mean?

A CLUE report is an insurance claim report for a specific property, generated by the Comprehensive Loss Underwriting Exchange.

Insuranceopedia Explains CLUE Report

CLUE reports list the claims filed for a property within the last seven years, providing details such as the date of the losses, the amount paid, and other relevant information.

The number of claims filed and the severity of the losses can significantly influence premium rates. If a CLUE report shows a high number of claims for a particular property, insurers may consider it risky to insure. Homeowners with several past losses on file sometimes have to shop for high-risk homeowners insurance instead of standard coverage. Pulling a CLUE report on an address before you apply can help you anticipate quotes from the best homeowners insurance companies and avoid surprises during underwriting.

Homes and automobiles are two common assets that are often researched using CLUE reports. On the auto side, insurers pull a similar claim history when you compare car insurance rates, which is why drivers with prior at-fault claims often see higher quotes than those with a clean record.