Glossary

CLUE report

A LexisNexis report of the auto and property claims tied to a person and an address over roughly seven years, which insurers pull when underwriting.

Also called: Comprehensive Loss Underwriting Exchange, C.L.U.E., LexisNexis CLUE, claims history report, home CLUE report

CLUE stands for Comprehensive Loss Underwriting Exchange. It is a claims database run by LexisNexis Risk Solutions, a consumer reporting agency, and insurers feed it and query it. A report generally covers up to seven years of personal auto and property claims. Each entry typically shows the date of loss, the type of loss, the amount paid, the insurer, and for property claims the address.

Because entries are tied to addresses as well as people, the claim history of a house follows the house. A buyer's insurer may see a water claim made by the previous owner, and a claim denied or closed without payment may still appear. A pattern of claims, or a loss with no evidence of repair, can bring a surcharge, a requirement to show repairs, or a declination.

Under the Fair Credit Reporting Act you can get one free copy a year of the report on property you own, through LexisNexis's consumer disclosure process. Order it before you shop, and again before you buy a house if the seller will share theirs. If an entry is wrong, dispute it with LexisNexis, which must investigate, and ask the insurer that reported the claim to correct it. Read CLUE reports: how claims history follows you and your house and will a claim raise your homeowners premium?, and compare with A-PLUS property report, the other major claims database.

Last reviewed October 10, 2026

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Related terms

A-PLUS property report Verisk's claims history report on a property or applicant, a counterpart to the LexisNexis database that insurers use to check past losses. Loss history The record of insurance claims tied to you and to your property over the past several years, which underwriters use to judge risk and set price. Claims-free discount A premium credit for homeowners with no paid claims over a set number of recent years, verified from the insurer's records and claims history reports. Insurance score A number built from your credit report data that insurers use to predict how likely you are to file claims, and therefore how to price your policy. Underwriting How an insurer evaluates a home and its owner, decides whether to offer coverage and on what terms, and sets the price.

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