In a world where hurricanes, floods, and wildfires are becoming more common, knowing a home’s claim history is no longer optional. That’s where a C.L.U.E. Report comes in. It stands for Comprehensive Loss Underwriting Exchange and helps uncover what may be hiding in a property’s past.
Before you fall in love with the view or the finishes, this report can show if the home has dealt with major issues like water damage or fire. That kind of history could affect your ability to insure the home or flag future problems before they show up on your tab.
What Is a C.L.U.E. Report?
It’s basically a Carfax for houses. The report lists insurance claims made on a property over the past five years. Managed by LexisNexis and fueled by data from over 600 insurance providers, it includes:
- Date and type of loss
- Amount paid on the claim
- Basic property details
It does not include personal data. No credit reports, no legal history, nothing tied to the homeowner themselves.
Why Buyers Should Care
A history of mold, fire, or flooding could lead to insurance red flags. Some buyers discover too late that coverage is limited or denied. You cannot request a C.L.U.E. report on a home you do not own, but you can ask the seller to provide one as part of the negotiation or due diligence process.
How to Get It
Only the homeowner, their insurer, or their lender can request the report. Most insurance providers offer it for free once per year.
C.L.U.E. reports are becoming a standard part of smart homebuying. We want you to have the full picture so you can move forward with confidence and clarity. Luxury means more than looks. It means knowing what you’re buying and making sure it supports the life you want.
