Patty Horie, CRS, ABR, GRI, CNE, SFR, RSPS

Patty@WinUtah.com (435) 640-0400

Clue Reports

More home buyers, concerned about possible previous insurance losses experienced at a property they are considering, are requiring home sellers to provide a C.L.U.E.® report as a contingency to a purchase offer. A C.L.U.E.® Home Seller’s Disclosure Report is an independent source of information about insurance losses at your home address within the past five years. If your home has not experienced a loss within the past 5 years, the report can provide comfort to a potential buyer. When there are no losses are associated with a property the report would state that no losses were found for the address shown.

Common Questions and Answers:

What is CLUE?
CLUE (Comprehensive Loss Underwriting Exchange) is a database of consumer claims created by ChoicePoint that insurance companies can access when they are underwriting or rating an insurance policy.

What information does a CLUE report provide?
The report contains consumer claim information provided by the insurance companies. It includes policy information such as name, date of birth, and policy number, claim information such as date of loss, type of loss and amounts paid, and a description of the property covered. For homeowner coverage, the report includes the property address and for auto coverage, it includes specific vehicle information.

How long is loss history kept in the CLUE database?
The database contains up to 5 years of personal property claims history.

Can I order a CLUE report on property I want to purchase?
No. CLUE reports are protected by the Fair Credit Reporting Act and can only be accessed by the owner or lender for the property. However, you can request that the current owner of the property order a CLUE report.

How can I find out what my loss history is?
Under the Fair Credit Reporting Act, you can request a copy of this information from ChoicePoint Consumer Disclosure, PO Box 105108, Atlanta, Georgia 30348-5108, or call toll free (866) 527-2600.

What if I find incorrect information on the report?
If you want to challenge the accuracy of specific information an insurance company provided or would like to enter a statement explaining the loss more fully, contact ChoicePoint’s Consumer Center at (866) 718-7684. They will verify your information with the reporting insurance company and notify you of the results within 30 days.

If you feel an item on the report deserves an explanation, you can submit a personal statement which will be added to all future CLUE reports.

Why are insurance companies allowed to obtain a copy of my loss history report?
Under the Fair Credit Reporting Act, ChoicePoint is allowed to produce a CLUE report for the following insurance related purposes:

  1. When the consumer reporting agency has reason to believe a person or company intends to use the information in connection with the underwriting of a consumer’s insurance policy. This includes situations where the consumer asks for an insurance quote or applies for insurance.
  2. When the request for the CLUE report is initiated by and at the request of the insurance company or agent.

Can an insurance company use loss history from the prior owner of a home in determining my eligibility to get insurance on the home?
Yes. There are no laws that prevent a company from using the prior owner’s loss history in determining your eligibility for coverage. If a company can show a relationship between the prior owner’s loss and the probability of a future loss to the home, they may use the information.

Can the insurance company report claims that are closed without payment to the CLUE database?
Yes. There are no laws that prohibit the reporting or use of claims closed without payment for underwriting or rating purposes.

Can the insurance company report an inquiry about a loss to the CLUE database when no request for the processing of a claim was made to the company?
Yes. There are no laws that prohibit the reporting or use of and inquiry about a loss for underwriting or rating purposes.

Does every company report all losses to the CLUE database?
No. Some companies choose not to participate. Losses filed with nonparticipating companies will not appear on a CLUE report.

Why do insurance companies use loss history?
Actuarial studies conducted by insurance companies have shown a correlation between a consumer’s prior loss history and his/her future insurance loss potential. Along with other factors, this history could be considered when companies make their decisions to issue policies and determine premiums.

Date Ordered: 06/27/2003 Expires on:07/27/2004
FAQs Dispute How to Read this Report Printable Version
C.L.U.E.® – COMPREHENSIVE LOSS UNDERWRITING EXCHANGE HOME SELLER’S DISCLOSURE REPORT
Account: 990300-IHF
ChoiceTrust
Date of Order: 06 / 27 / 2003
Date of Receipt: 06 / 27 / 2003
C.L.U.E. Ref #: 03578383742762
Reference #:1234567890
For questions about your report please visitCustomer Support and include your reference number.
Recap: RISK – 1 CLAIM(S) REPORTED
SEARCH REQUEST
Risk Address: 502 RAINTREE CIR
LAKESIDE, CA 92040-3118
REPORTED CLAIM HISTORY FOR RISK
The C.L.U.E.® Home Seller’s Disclosure Report is specifically designed for use in the real estate disclosure process. This report only lists losses reported by insurance companies that are associated with the risk address shown in the Search Request section of this report. This report is a reflection of the C.L.U.E.® database at the time of the the date of order.
Claim Date: 10/26/2003 CLUE File #: 0312200260006237
Company: CALIBER ONE INDEMNITY AM BEST #: 02855
Address: 246 13TH ST NE
ATLANTA, GA 30309-2013
Policy Type: HOMEOWNERS
Additional Info: Catastrophe
Location: On Premises
Payments by Claim Type: $603,659 – FIRE Status: Closed
Prepared by: COMPREHENSIVE LOSS UNDERWRITING EXCHANGE
C.L.U.E. Inc, Atlanta, GA
Refer consumers to: C.L.U.E. Inc. Consumer Disclosure Center
P.O. Box 105108
Atlanta, Georgia 30348-5108
“C.L.U.E.” is a registered trademark of ChoicePoint Asset Company
Reference #: 1234567890