What is a CLUE Report? Does it Affect my Insurance?
A CLUE report is a record of insurance claims made within the last seven years on any piece of property, including homes, businesses, and vehicles. C.L.U.E. stands for Comprehensive Loss Underwriting Exchange–the full name for a collection of insurance claims records. CLUE reports can be a valuable source of information about a property before a potential purchase or other change of ownership.
Who maintains the CLUE reports?
The CLUE database is maintained by LexisNexis, a business data and analytics company. LexisNexis collects many types of risk information on homes, vehicles, personal credit and finance, and other assets. The risk databases that LexisNexis and other providers keep are frequently checked by real estate agents, insurance agents, and in some cases, private citizens curious about their own risk history status.
C.L.U.E. - Comprehensive Loss Underwriting Exchange
What impact does it have on my home insurance?
Since all claims of damage to a property are traditionally reported to the CLUE, reviewing a property’s history can reveal incidents that may have impacted the structure. As the number of previous claims increases, insurers are more likely to raise policy premiums to account for the perceived higher risk of the location or property.
Insurance Premium - The price you pay to maintain an insurance policy. Premiums are usually paid annually or on a month-by-month basis. The cost of the premium is based on a calculation of risk factors.
Premiums can increase for a number of reasons, but the level of risk attached to a property is the primary driver of those increases. If you were to make multiple claims on a home insurance policy for your house, you would likely see a significant increase in your insurance premium costs, and possibly higher deductible costs. Multiple claims on a CLUE report can mean that a person would have difficulty changing insurance carriers or getting the best rates for coverage in the future.
What information goes into the report?
The records in a CLUE report include information about the property and also about the party making the claim. The personal information is limited to the policyholder’s name and date of birth. The claim of damage is recorded in greater detail, including the full address and description of the property, the date of the loss and the type of damage that occurred, and the amount paid out by the insurer.
Is this information there forever?
No, the CLUE report shows claims made within the last seven years, so older claims would not appear after that time. It’s also worth noting that more recent claims in that history will have a greater impact on insurance costs for the property. Older claims–those closer to the seven-year roll-off point–are given less weight when calculating premiums, deductibles, and other insurance costs.
Can I see my own CLUE report?
Anyone can request a copy of their own CLUE report once a year. This is a provision of the Consumer Financial Protection Bureau in the United States, similar to how any person may request one free copy of their credit report each year. Requesting a copy of your own CLUE report will not affect your credit or claims history. A CLUE request will typically be fulfilled within two weeks. If you don’t receive your report within that time, it’s best to contact LexisNexis directly to check on the status of your request.
Can I have claims removed from my CLUE report?
Once you’ve viewed the report for your home or business, it’s a good idea to confirm that any information appearing there is accurate and complete. If you see information that you believe should not be there, contact LexisNexis to report the error. After verifying your identity, they will consider your dispute and related information and make a decision on the case. You’ll be notified by letter with the results of the investigation afterwards.
Where can I see the CLUE report for a property?
An individual cannot legally request a CLUE report for a home they do not own–for example, one that they would like to buy. The prospective buyer can ask their real estate agent to request that the seller provide one before a deal is struck. If the seller is unwilling to provide this information freely, they may feel that they have something to hide. On the other hand, a homeowner who has recently replaced the roof on their home might happily offer their report as proof of the improvements they’ve made to the property.
Summary - CLUE Reporting
The CLUE report tracks loss related to properties and other assets in the United States. These records are maintained by the LexisNexis company and are available on request to property owners in the United States. Loss data for an asset stays on the associated CLUE report for seven years, then rolls off. These losses are considered by insurers and other risk management related businesses.
Sources:
“What is a CLUE Report and How Does it Work?” US News & World Reports, Feb 03, 2026, https://www.usnews.com/insurance/homeowners-insurance/what-is-a-clue-report
“What a CLUE Report Contains” Office of the Insurance Commissioner, WA, https://www.insurance.wa.gov/insurance-resources/auto-insurance/credit-and-insurance/clue-comprehensive-loss-underwriting-exchange
Gray is the Senior Content Specialist at Sola Insurance, working with the Sales and Marketing teams to provide helpful, valuable content for homeowners and agents. Gray has worked previously in finance, logistics, and advertising.
