Loss History Report (CLUE) Explained for Florida Insurance

A Loss History Report, commonly called a CLUE Report (Comprehensive Loss Underwriting Exchange), shows past insurance claims filed on a person or a property. Carriers use CLUE reports to verify claim history, determine risk, and set premiums for homeowners and auto insurance.

CLUE reports are maintained by LexisNexis and include up to seven years of claim data.

What a CLUE Report Shows

Type of claim (water, wind, theft, liability, auto collision, etc.)
Date of loss
Amount paid
Insurance company that handled the claim
Policy type (home or auto)
Open or closed claim status

CLUE reports help carriers confirm whether a property or driver has a history of losses.

CLUE Reports for Homeowners Insurance

For HO‑3, HO‑6, and DP‑3 policies, carriers check CLUE for:

Water damage claims
Wind/hurricane claims
Fire claims
Liability claims
Multiple small claims (red flag)

Florida carriers heavily rely on CLUE because property claim history strongly predicts future losses.

CLUE Reports for Auto Insurance

Auto carriers use CLUE to verify:

Collision claims
Comprehensive claims
Liability claims
PIP/medical claims
Frequency of claims

Frequent claims can increase premiums or limit carrier options.

Why CLUE Reports Matter

Carriers use CLUE to confirm claim history
Helps prevent fraud or undisclosed losses
Impacts eligibility and pricing
Shows patterns of repeated claims
Reveals losses on a home before purchase

Homebuyers often request a CLUE report to check for past damage before closing.

How to Get Your CLUE Report

Consumers can request a free copy once per year from LexisNexis.

Shows claims tied to your name
Shows claims tied to your property address
Allows corrections if information is inaccurate

Florida‑Specific Notes

Water claims and roof claims are major underwriting factors in Florida.
Multiple small claims can cause nonrenewal or higher premiums.
CLUE reports follow both the person and the property.
Citizens reviews CLUE but may require additional documentation.

A Loss History Report (CLUE) is one of the most important underwriting tools in Florida insurance, helping carriers verify past claims and assess future risk.

If you’d like help reviewing your home’s past claims and making sure your policy is set up correctly, fill out the homeowners‑insurance quote form below and I’ll compare carrier options and walk you through the best choices for your situation.