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What Real Estate Agents, Buyers, and Sellers Need to Know About a CLUE Report

By May 25, 2021May 27th, 2021Insurance, Realtor insurance tips

A CLUE report is a report of insurance losses and claims on your home or automobile. CLUE stands for for Comprehensive Loss Underwriting Exchange, and the report information is provided by insurance companies.

What is in a CLUE Report?

A CLUE report contains data on losses from the previous seven years. LexisNexis, a consumer-reporting agency, generates CLUE reports. For each claim or loss, you will see the date and type of loss, name of the insurance company, the amount paid out for the loss, and the owner’s policy information.

Who uses the CLUE Report?

Insurance companies use this report to underwrite policies, which in turn determines if the property can be insured and what it will cost.

Who can have access to a CLUE report?

Unfortunately, you as the realtor cannot request a CLUE report. Likewise, we cannot order the report for you.  Only the homeowner can request the report. The homeowner is allowed to request a copy once a year.

Why should sellers obtain their CLUE report before putting their house on the market?

If there have been no claims in the past seven years, the CLUE report can be a great selling tool for the sellers. Even though the inspection is part of the purchase process, being able to show a clean CLUE report reassures a buyer they are not buying a home with a history of problems.

Another reason to request the CLUE report on the front end of the sale is to be sure all information is accurate before the sale. If any information is incorrect, the homeowner can file a dispute for corrections before getting to closing.

Why should buyers require a CLUE report before making an offer?

If you are representing the buyer, having a CLUE report before the sale can reveal any potential problems or past claims that a general inspection might not uncover.

Sometimes a seller hasn’t lived in the house for seven years and could be unaware of a previous problem. Without a CLUE report, a buyer may not know of a problem before closing.

If the seller doesn’t present a CLUE report before the offer, you might want to consider a contingency offer based upon a clean CLUE report.

How to order a CLUE Report


How to File a Dispute

  • Call LexisNexis at 888-497-0011
  • Write LexisNexis Consumer Center, P.O. Box 105108, Atlanta, GA, 30348.