How a C.L.U.E. Report Can Affect Your Insurance Premiums
The Comprehensive Loss Underwriters Exchange (C.L.U.E.) report tracks the claims history of your property. Every claim made on your property’s insurance coverage—whether it’s made by you or by a previous owner—can affect your premiums. So it's important to understand what's on your report and how to fix errors
Insurance companies throughout the country submit information to a central database, which is used to create the C.L.U.E. Personal Property report. The report provides a seven-year history of claims made by you as an individual as well as claims made on a specific property. This report is combined with your personal profile to determine whether you’ll be offered homeowners insurance, the amount of coverage available, and your property insurance premiums
Problems can occur if your C.L.U.E. report contains errors. For example, insurance agents sometimes report policyholder calls about a potential claim as an actual claim, despite laws in many states forbidding this practice. Federal law gives consumers the right to access a free copy of their C.L.U.E. Personal Property report every 12 months so they can correct errors. To get a free copy, call 866-312-8076 or visit their web site at personalreports.lexisnexis.com
C.L.U.E. reports can also help prospective home buyers learn about a property’s history. Work with your realtor to get a copy, since C.L.U.E. reports typically are available only to policyholders or insurance companies
Since C.L.U.E. creates a record of all claims and can affect future premiums, think carefully before filing a claim for property damages. If you can’t afford to repair damages without the help of insurance, it makes sense to file a claim
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