If someone told you to “get a clue,” you might be offended. That casual phrase usually means to pay closer attention, and implies you don’t understand what should be obvious.
In the insurance industry, a “CLUE” refers to a CLUE report, which references the Comprehensive Loss Underwriting Exchange claims history database. This LexisNexis resource allows insurance companies to access consumer claims information when they are underwriting an insurance policy to set premiums, determine coverage and sometimes, deny coverage.
A CLUE report is also a great tool to help real estate agents and buyers to identify potential insurance liabilities in a home, so they can make informed decisions before making an offer. It includes both a home’s history of claims and the individual owner’s record of filed claims (both home and auto).
For example, a history of flood or mold claims could indicate ongoing problems. But it could also guide an insurance agent to recommend that a potential buyer purchase flood insurance. A break-in or theft claim could signal the need for a strong security system. Multiple claims for roof repair, foundation or construction issues can be red flags; an isolated incident, followed by repair, may not be reason for concern.
A CLUE report that turns up no claims doesn’t guarantee that a home had no repairs. It simply means that no claims were filed with insurance, or the insurer didn’t report the claims to LexisNexis. A home inspection is still recommended to identify structural, electrical, or plumbing issues.
For 2025, CLUE has a more comprehensive and nuanced risk profile. The database now incorporates data from police reports and vehicle history to determine potential risk factors for individuals, including recent traffic violations, vehicle maintenance and driving habits. Consumers now have increased access to CLUE reports and the ability to dispute the information if inaccurate.
Allen Tate Insurance recommends that all home buyers should review a property’s claims history to obtain an accurate insurance quote as part of due diligence. Realtors should refer their buyers to their Allen Tate Insurance agent early in the home purchase process to ensure seamless integration.
Sellers should also review their property’s CLUE report before listing their home to identify and address any issues. Realtors should position a clear report as a selling feature to increase buyer confidence.
