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Texas Department of Insurance
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April 15, 2021

Buying a house? Ask for a CLUE report

The Texas housing market is hotter than the habanero you didn’t know was in those nachos.


With fewer houses on the market and low interest rates, houses in Austin, Dallas, Houston, and other parts of the state are selling in days and often above the asking price. It’s a seller’s dream, and a buyer’s nightmare. If you don’t make a quick offer, you may lose out. But is that house hiding a maintenance problem?

One way to protect yourself is to ask the property owner for a Comprehensive Loss Underwriting Exchange (CLUE) report. A CLUE report shows the insurance claims filed for a property for the past seven years. An insurance company will check the report and use the claims history as a factor in deciding how much you’ll pay for homeowners insurance.

For more information, including how to request a report, visit How to get a CLUE about your claims history.

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