Comprehensive Loss Underwriting Exchange

The Comprehensive Loss Underwriting Exchange (CLUE) is a proprietary consumer reporting database maintained by LexisNexis Risk Solutions that collects and stores insurance claims histories for individuals and properties for a given period, typically 7 years. Insurers use CLUE reports to ascertain the history of the property during underwriting to assess risk, verify prior losses, and help determine policy eligibility, coverage terms, and premium rates for homeowners and auto insurance. Consumers are advised to request a copy of their report, normally available from their homeowners insurance agent, to get this information on a prospective home and dispute any inaccuracies.