Loss History Report (CLUE) Explained for Florida Insurance

Updated October 2026

A CLUE report (Comprehensive Loss Underwriting Exchange) is a claims-history report maintained by LexisNexis. Insurers may use reported property and auto losses when evaluating applications and pricing. The report does not dictate a single outcome for every Florida carrier.

What a CLUE Report Contains

CLUE reports generally include up to seven years of reported personal-property or personal-auto claims information. Depending on the report, entries may show the date and type of loss, insurer, property or vehicle information, and amounts paid. A property report can include losses that occurred before the current owner bought the home. It is not a complete record of every repair or every incident at an address.

CLUE Reports and Florida Homeowners Insurance

Home insurers may review reported water, wind, fire, theft, and liability claims, among other losses. They may ask for evidence of completed repairs. A prior claim does not automatically make a property uninsurable, require a particular surcharge, or create the same waiting period with every company. Insurers have different underwriting guidelines, and the type, timing, and circumstances of the loss matter.

Personal claims history, claims associated with a particular property, and an insurer’s geographic loss experience are different concepts. A neighbor’s claim does not become a claim on your home merely because you share a ZIP code. A CLUE report also cannot establish whether prior damage was repaired properly; inspections and seller disclosures remain important.

CLUE Reports for Auto Insurance

Personal-auto reports may contain reported collision, comprehensive, liability, or other losses. Auto insurers may use this information under their own underwriting and rating rules. Do not assume that an auto claim results in the same pricing treatment as a homeowners claim or that every carrier applies an identical surcharge.

How to Obtain or Correct Your CLUE Report

Consumers can request a free CLUE report from LexisNexis once every 12 months. Request information is available at LexisNexis Consumer Disclosure. Review the listed addresses, loss dates, descriptions, and amounts. If information is incorrect, contact LexisNexis to dispute it and provide supporting records when available. You may also ask the reporting insurer to investigate the entry.

When purchasing a home, ask the current owner to obtain and share the property’s claims-history report. A prospective buyer generally cannot order another person’s private consumer report directly. Even a clean report is not a guarantee of coverage or a substitute for a property inspection.

What Claims History Means for Your Quote

Answer application questions accurately and retain repair documentation. An insurer may consider a claims report alongside the property’s construction, roof, location, coverage selections, and other underwriting factors. If coverage is declined or priced differently based on a consumer report, review any adverse-action notice and your rights to obtain and dispute the report. For a Florida homeowners insurance comparison, use the quote form below.