Do You Have A CLUE?

Ever heard of CLUE? No, I don't mean the board game or the thing friends ask if you have. I'm talking about the Comprehensive Loss Underwriting Database. CLUE is a national repository of insurance claim information.

Insurers use CLUE reports to determine how likely you are to file a claim against your homeowners or auto insurance policy. CLUE reports are generally reviewed prior to issuing a new insurance policy and before renewing an existing policy.

The CLUE database is maintained by ChoiceTrust, an information clearinghouse that has been providing "decision-making technology" since 1977 to insurance companies, as well as local, state and federal government agencies.

What does this mean to you? Each time you file a claim, or report a potential claim to your insurance company, that information is recorded in the CLUE database, even if no money was ever paid by your insurance company. Too many claims can result in a policy being cancelled.

For real property, claims and damage reports are tied to the property, not the owner. Any claim or damage reports remain on the CLUE report for 5-7 years. This means any claims filed by a previous owner may negatively affect your ability to obtain insurance as well as what you pay for the policy.

If you're buying a home, make sure to ask the seller if they have filed any claims against the property during their tenure. If so, make sure to shop insurance rates during your discovery period. Finding out at the 11th hour, just before settlement, that your insurance policy has an astronomical premium due to claims filed could have serious consequences.

Curious as to what your CLUE report says? Download instructions and a CLUE report order form (.pdf). ChoiceTrust can also be reached at 866-312-8076.


Jesse & Kathy 

Clifton, Spouses Selling Houses - Fairbanks, Alaska Realtors

Jesse & Kathy Clifton, better known as 'The Spouses' are full time Realtors serving Fairbanks Alaska buyers and sellers. They specialize in residential real estate; new and existing construction as well as undeveloped land in Fairbanks, North Pole, Ft. Wainwright, Eielson Air Force Base and Interior Alaska. Visit their website to review the fee market reports designed to keep you updated on the local Fairbanks Alaska real estate market. Have specific questions? Feel free to contact them anytime. They would love to hear from you.

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9 Comments on Do You Have A CLUE?

It always amazes me how few AGENTS have heard of clue reports, let alone consumers.  I should probably do something like this on my outside blog - thanks for the idea!

12/10/2007 05:36 AM by Margaret Woda, Maryland REALTOR (RE/MAX VISION)


Homeowners would be well-advised not to make frivolous claims just to see if their insurance will cover it.

It is a mistake to treat hazard insurance as a glorified maintenance expense reimbursement plan.

12/10/2007 06:50 AM by Mike Jaquish Keller Williams Realty, Cary, NC (Keller Williams Realty)


Jesse and Kathy, I learned about CLUE from someone in my office. In one sense it's useful, in another sense don't you feel like BIG BROTHER is watching us too closely?

12/10/2007 07:45 PM by Gary Woltal - REALTORĀ® Dallas Ft. Worth (Keller Williams Realty)


Hi, Bob & Carolin: It's pretty dark.  We start gaining daylight on the 21st, which is always a welcome thing. :)

I agree, Kay:  I've been asking sellers to provide CLUE reports for several years and I still run into resistance from listing agents who haven't ever heard of it. 

Well said, Mike:  People should think of their homeowners insurance as a major medical policy for their homes.  Nickle and dime the insurance company to death and you're going to be in trouble.

Hi, Gary:I don't know that I see it as useful at all, but the insurance companies certainly do.  Big brother is everywhere.  Have you seen the Google Maps Street View?  You can actually 'walk' through Manhattan and look in windows, into backyards, etc. all from your laptop.

12/11/2007 12:13 AM by Fairbanks Real Estate Broker Jesse Clifton (Jesse & Kathy Clifton, REALTORS - 907.699.6024 - )


I feel like a first grader. Never heard of this. Really good thing to know.

Thank you

12/11/2007 12:30 AM by Jon Zolsky (FunCoast Realty LLC)


Jon: I felt the same way when I first heard about it.  It made perfect sense a database would exist but I just never thought about it. 

12/11/2007 02:24 AM by Fairbanks Real Estate Broker Jesse Clifton (Jesse & Kathy Clifton, REALTORS - 907.699.6024 - )


Hey, I have a listing with a living room ceiling that looks just like that! It's not leaking yet, but it's probably only a matter of time.

We get our CLUE reports for free these days, which is pretty cool.


12/16/2007 11:35 AM by Elizabeth Weintraub, Sacramento Real Estate Broker (Lyon Real Estate)


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Real Estate Agent: Fairbanks Real Estate Broker Jesse Clifton (Jesse & Kathy Clifton, REALTORS - 907.699.6024 - )
Fairbanks Real Estate Broker Jesse Clifton
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