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Texas Department of Insurance
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How to get a CLUE about your claims history

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Wondering how much it will cost to insure that home you’re thinking of buying? Or why you’re paying more for home insurance than your neighbor? You may want to check the property’s history of insurance claims.

Insurance companies look at a property’s past claims and use that as a factor in deciding how much you’ll pay for homeowners insurance. They get this data from the Comprehensive Loss Underwriting Exchange (CLUE). You can, too.

  1. What is a CLUE report?

    A CLUE report shows the claims filed for any house or car for the past seven years. It lists claims on your home or vehicle, even if you weren’t the owner at the time.

  2. What gets reported?

    Insurance companies can report information to CLUE when you file a claim. They report:

    • Date of loss.
    • Loss type.
    • Amount paid on the claim.

    The report will include the policy number, claim number, and insurance company.

  3. What doesn’t get reported?

    Companies aren’t supposed to report any questions you ask about your policy or deductible. When you’re talking to your agent, make sure you’re clear about whether you’re filing a claim or just asking a question about your policy.

  4. Can I check or correct it?

    Yes. You can get a free copy of your report each year by contacting LexisNexis. Click on the “Request a Consumer Disclosure Report” button.

    You can contact LexisNexis to dispute wrong information or to add an explanation.

  5. How can I use a CLUE report?

    If you’re buying a house, you can ask the owner to show you a CLUE report for the property. If you’re selling a house, a CLUE report can help potential buyers know the condition of the house they’re buying.

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Last updated: 7/26/2022