What Is a Clue Report and What Does It Reveal?

A CLUE report, short for Comprehensive Loss Underwriting Exchange, is a database record that tracks insurance claims made on a specific property. It is not a document you create; it is compiled by a data reporting agency and shared with insurance companies. When you apply for homeowners insurance, the insurer often pulls your CLUE report to see the property's claim history.

The report includes details like the date of each claim, the type of loss, and the amount paid out. It also shows whether a claim was denied or closed without payment. For a home buyer, this history can reveal past water damage, mold issues, or other problems that might not be visible during a walkthrough. Knowing what is in your report helps you understand how insurers view your property.

• Shows claims from the last seven years
• Includes water damage, fire, and theft claims
• Lists claim amounts and dates
• Notes if a claim was denied
• Tied to the property, not the owner
• You can request a copy yourself

You can request a copy of your CLUE report once every 12 months from the data reporting agency that maintains it. The request must be made in writing, and you will need to provide your name, address, and policy information. The agency typically sends the report within a few weeks. This process is separate from your insurance company.

Reviewing your report is a smart step before shopping for a new policy or selling your home. Look for any claims that do not match your records. If you find an error, contact the agency directly to file a dispute. You can also ask your insurance company to correct any misinformation they submitted.

• Request once per year at no charge
• Send a written request with your details
• Allow a few weeks for delivery
• Check every claim listed
• Dispute errors in writing
• Keep a copy for your records

Preventing water damage is the right way to keep your CLUE report clean. Simple steps like checking your water heater, inspecting hoses, and cleaning gutters reduce the risk of leaks. If you live in Doral, the humid subtropical climate means moisture control matters. Use dehumidifiers in damp areas and fix any condensation issues promptly.

When water damage does happen, handle it thoroughly. Dry wet carpets, remove soaked drywall, and address any mold growth. These actions limit the damage and reduce the chance of a future claim. A well-maintained home with a short claims history is more attractive to insurers and buyers alike.