What Is a CLUE Report and Why It Matters When Buying a Home
- Alex Watson, Realtor
- 2 days ago
- 2 min read
When you're buying a home or investing in real estate, surprises are the last thing you want. One powerful tool that many buyers overlook is the CLUE Report—short for Comprehensive Loss Underwriting Exchange. This report can reveal past insurance claims made on a property, giving you valuable insight before closing the deal.
In this post, we’ll cover what a CLUE report is, why it matters, and how to get one.
🔍 What Is a CLUE Report?
A CLUE Report provides a 5–7 year history of insurance claims for a specific property. Maintained by LexisNexis, it includes:
Types of insurance claims (e.g., water damage, fire, storm damage)
Dates of each claim
Amount paid by the insurance company
Whether claims were approved or denied
This information is incredibly useful for spotting patterns or hidden damage that may not be obvious during a standard home inspection.
Why Buyers Should Ask for a CLUE Report
Before you finalize a home purchase, request a copy of the CLUE Report from your insurance agent just to ensure your able to do your due diligence:
Uncover hidden issues like prior flooding, fire damage, or mold remediation
Avoid high insurance premiums due to past claims
Negotiate repairs or pricing based on the property's insurance history
Prevent costly surprises after closing
Why Insurance Companies Use CLUE Reports
When you apply for homeowners insurance, providers often pull the CLUE Report to determine your risk level. A property with multiple claims can lead to:
Higher premiums
Limited coverage
In some cases, denial of insurance
Understanding the report in advance allows you to shop around for the best coverage—or decide if the home is worth the investment.
Work With a Real Estate Expert You Can Trust
Navigating property disclosures, inspections, and insurance risks can be overwhelming. That’s why you need a knowledgeable and trusted Realtor by your side.
Alex Watson, Realtor, is your go-to expert for real estate and real estate investing in Central Texas. Alex has helped countless clients buy, sell, and invest in properties with confidence by providing:
Market insights backed by data
A strategic eye for identifying red flags
Negotiation power to protect your investment
Trusted referrals for inspections, insurance, and contractors
Whether you're buying your first home or building your investment portfolio, Alex Watson will guide you every step of the way.
📲 Ready to Make a Move?
If you’re considering buying a home in Central Texas or want expert guidance on your next investment property, contact Alex Watson, Realtor today.
➡️ Call/Text:254-307-1596
➡️ Email: watsoninvest@kw.com
➡️ Follow on Instagram: @WatsonInvestRealtor
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