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  • Writer's pictureJeff Sorg

Unraveling the Mystery of Homeowner Insurance CLUE Reports: Do Buyers Need Them?

Updated: 5 days ago

Flooded streets and houses

A Comprehensive Loss Underwriting Exchange (CLUE) report is an extensive record of the insurance claims made on a property during the past seven years. LexisNexis Risk Solutions maintains this report, which is a crucial tool in the insurance industry. Homebuyers sometimes request a CLUE report when evaluating a property's risk, assessing its value, and calculating home insurance premiums. However, it is essential to note that only the insured party can order the CLUE report, not the buyer.

Assessing Potential Problems

  • A CLUE report reveals a history of insurance claims filed on the property, typically within the last seven years. The report can provide insight into potential issues with the house, such as water damage, roof leaks, fire damage, or even pest infestations.

Informed Decision Making

  • Reviewing a property's claims history can assist buyers in making a more informed decision about its condition. Frequent or expensive claims may warrant further investigation or raise concerns about the home's quality or potential future issues.

Negotiation Leverage

  • A history of insurance claims can be helpful for homebuyers. If significant issues are discovered in the report, it can help negotiate a lower price or request repairs from the seller.

Predicting Insurance Costs

  • Buyers can anticipate potential insurance costs by knowing a home's claims history. Insurers may consider homes with a history of claims a higher risk, resulting in higher premiums.


  • It's crucial to remember that a CLUE report solely displays insurance claims filed for a particular property. Therefore, no expenses or issues tackled using personal funds will be shown in the report. Moreover, a clear CLUE report doesn't assure the house is flawless, but it may provide valuable insights for an interested buyer.


(c) 2024 Jeff Sorg



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