CLUE Report
Your claims history report. Insurers check it when pricing you — like a credit report, but for claims.
CLUE stands for Comprehensive Loss Underwriting Exchange, a claims database run by LexisNexis. Insurers report claims into it and pull reports out of it. That is how a company a household has never dealt with knows about a claim filed years ago with a different one.
A report generally shows losses from the past seven years: the date, the type of loss, the amount paid, the status, and the vehicle or property involved. There are two versions, one for personal auto and one for personal property. Most insurers weigh the last three to five years most heavily when underwriting, even though the report reaches back further.
The property version follows the address, not just the person. A house carries its claim history to the next owner, so water damage the previous owner reported can shape quotes for a buyer who has never filed anything. Auto history follows the driver and the vehicle.
Claims that paid nothing can still appear. In some cases a call to an agent asking whether something would be covered gets logged as a claim or an inquiry with $0 paid, and that entry surfaces later. Practices differ by insurer, and this is a common source of disputes.
CLUE is a consumer report under the Fair Credit Reporting Act. A consumer can request a copy from LexisNexis at no charge once every twelve months, dispute an entry that looks wrong, and have the insurer that reported it investigate. It holds no credit information — the credit-based insurance score used in most states is a separate item.
In real life
A buyer closes on a house and asks for a homeowners quote. The number comes back well above what the neighbors describe paying. The CLUE report for the address shows two water damage claims filed by the previous owner: $11,200 in one year and $7,200 two years later. Neither claim belongs to the buyer, and neither disappears because the deed changed hands. They sit with the property until they age off.
Common questions
How do I get a copy of my CLUE report?
LexisNexis, which runs the database, provides consumer reports on request through its consumer portal or by phone. Under the Fair Credit Reporting Act, one copy every twelve months carries no charge. An insurer that raised a price or declined coverage based on the report also has to say so and identify the source.
How long do claims stay on a CLUE report?
Claims generally stay for seven years from the date of loss, then drop off. Insurers usually weigh the most recent three to five years most heavily, so an older entry can sit on the report without carrying the same effect. Exact handling can differ by state and by insurer practice.
Does asking my agent about a claim count as a claim?
Sometimes. If the conversation is logged as a claim or an inquiry, it can appear on a CLUE report with $0 paid. Some insurers record every reported incident; others open a file only when a claim is actually filed. Because practices differ, an entry that looks wrong can be disputed through LexisNexis.
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