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📋 '''CLUE report''' (Comprehensive Loss Underwriting Exchange report) is a consumer-disclosure document generated from the CLUE database, a centralized repository operated by LexisNexis that records [[Definition:Claims | claims]] history information reported by [[Definition:Insurance carrier | insurance carriers]] for both personal [[Definition:Auto insurance | automobile]] and [[Definition:Homeowners insurance | homeowners]] insurance policies in the United States. Each report contains up to seven years of claims data associated with a specific individual or property, including the date of loss, type of loss, amounts paid, and the insurer involved. Insurers consult CLUE data during the [[Definition:Underwriting | underwriting]] and [[Definition:Insurance rating | rating]] process to assess an applicant's prior loss experience before issuing or renewing a policy.

🔎 When a consumer applies for homeowners or auto coverage, the insurer typically pulls a CLUE report as part of its standard [[Definition:Underwriting | underwriting]] workflow, much as a lender pulls a credit report. The information helps the carrier evaluate whether the applicant — or, in the case of property insurance, the specific address — presents an elevated [[Definition:Risk profile | risk profile]] based on historical [[Definition:Loss frequency | loss frequency]] and severity. For homeowners coverage, the property-level data is particularly valuable: a home with multiple prior [[Definition:Water damage claim | water damage claims]], for example, may signal maintenance issues that increase the likelihood of future losses regardless of who owns it. Carriers use this data alongside [[Definition:Credit-based insurance score | credit-based insurance scores]], [[Definition:Inspection | inspection]] results, and other factors to make accept-or-decline decisions and to set [[Definition:Premium | premiums]].

📌 Consumers have the right under the [[Definition:Fair Credit Reporting Act (FCRA) | Fair Credit Reporting Act]] to request a free copy of their own CLUE report annually, and they can dispute inaccuracies that may be unfairly affecting their insurability or pricing. For insurance professionals, CLUE data serves as a check against adverse selection — applicants who switch carriers to escape surcharges after frequent claims cannot easily hide that history. At the same time, the growing volume and granularity of data flowing into systems like CLUE raises questions about [[Definition:Data privacy | data privacy]] and the appropriate use of claims history in [[Definition:Underwriting | underwriting]] decisions, a tension that [[Definition:Insurance regulator | state regulators]] continue to navigate. [[Definition:Insurtech | Insurtech]] companies building next-generation underwriting platforms often integrate CLUE data via [[Definition:Application programming interface (API) | API]], combining it with alternative data sources to produce more nuanced risk assessments than legacy systems traditionally allowed.

'''Related concepts:'''
{{Div col|colwidth=20em}}
* [[Definition:Underwriting]]
* [[Definition:Claims history]]
* [[Definition:Credit-based insurance score]]
* [[Definition:Fair Credit Reporting Act (FCRA)]]
* [[Definition:Homeowners insurance]]
* [[Definition:Adverse selection]]
{{Div col end}}

Definition:CLUE report - Revision history

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