April Bradshaw

Keller Williams Preferred
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I dont have a CLUE!

January 11th, 2022

I dont have a CLUE! Actually, you likely do! A CLUE Report, that is!

? A CLUE Report is a Comprehensive Loss Underwriting Exchange report. Its kind of like a credit report, but instead of your credit history, it is your insurance policy history.

This report...
? Details your insurance claim history for houses, rental properties, and any vehicles.
? Dates back for 7 years of your insurance history
? Includes dates of losses, claims paid or denied, amounts paid out, types of losses (wind, fire, flood, etc.), and even any inquiries about making a claim that may not have ever gotten filed!

? Its important to know that your claim history determines your risk level to your insurance company. Your risk determines the cost of your insurance premiums and you may be denied coverage based on this report.

? Curious about whats on your CLUE report? You can order a free copy from the reporting agency, LexisNexis Risk Solutions (email You should monitor this report as you would your credit report and dispute any inaccuracies.

Obtaining a CLUE report on a property you may purchase can be a great tool for knowing if there are any hidden issues with the home or past issues that may creep up again. Additionally, offering this report on your home can be a selling tool to reassure a buyer that your home is in good condition.

Have you ever looked at your CLUE report? Share how this report has helped you stay informed in the home buying process!

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Disclaimer : The views and opinions expressed in this blog are those of the author and do not necessarily reflect the official policy or position of the Houston Association of REALTORS®

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