Did You Know?

A C.L.U.E. Report (Comprehensive Loss Underwriting Exchange) is a record used by insurance companies that tracks property insurance claims on a home for the past 3–7 years. Insurers review this report when determining premiums, eligibility, and renewals. Because every claim activity can appear on the report, homeowners should be careful before filing a claim to help avoid unnecessary premium increases or coverage issues.

Key things to know before filing a claim:

• No damage claim – If an adjuster finds no damage, the claim can still appear on your record.
• Damage below your deductible – Filing a claim that doesn’t exceed your deductible may provide no payout but still impact your claim history.
• Pre-existing damage – Insurance does not cover damage that occurred before the policy period or storm event.
• Claims affect future premiums – Multiple claims can lead to higher rates or possible non-renewal.

Understanding your claim situation before filing can help protect your C.L.U.E. report and keep insurance premiums more stable.