Comprehensive Loss Underwriting Exchange

Updated: 29 February 2024

What Does Comprehensive Loss Underwriting Exchange Mean?

The Comprehensive Loss Underwriting Exchange (CLUE) is a database that provides information about insurance claims for properties. This database lets insurance companies know what types of claims may have been filed in the past for a specific property. This information helps them to underwrite insurance policies for the property for new property owners.

Insuranceopedia Explains Comprehensive Loss Underwriting Exchange

CLUE reports are extremely helpful for insurance companies when it comes to understanding risk. This is because CLUE reports can let an insurance company know whether a particular property has a history of water damage, theft, structural damage, etc. All of these things can be factored into the ultimate cost of premiums for a property insurance policy when the insurance company underwrites the policy for the new property owners. For this reason, many property insurers look at CLUE reports before generating insurance policies.

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