C.L.U.E. Report

C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database maintained by LexisNexis. Insurance companies use it to review your past claims when you apply for coverage.

What's in a C.L.U.E. Report:

• Claims filed in the past 7 years
• Date of loss
• Type of loss (fire, theft, water damage, etc.)
• Amount paid
• Property address
• Insurance company

  How It Affects You:

• Insurers check your report when you apply for coverage
• Multiple claims can increase your premium
• Some claims may make you ineligible for certain insurers
• Claims follow the property AND the person

  Your Rights:

• You can request one free C.L.U.E. report per year
• You can dispute inaccurate information
• Insurers must tell you if they deny coverage based on C.L.U.E.

  Getting Your Report:

Visit LexisNexis Consumer Center or call 1-866-312-8076 to request your free annual report.

Tips:

• Review your report before shopping for insurance
• Dispute any errors promptly
• Consider the impact before filing small claims