CLUE reports and roof claims: What homeowners should know
Last updated · Storm damage & insurance
Short answer: CLUE (Comprehensive Loss Underwriting Exchange) stores personal property and auto claim information that insurers may review for about five to seven years. It can affect eligibility and pricing depending on the company and state.[1]
Consumer steps
- Order your free annual CLUE report (LexisNexis consumer process).[2]
- Dispute errors with the reporting agency and the insurer that reported them.
- Remember: asking a question is not the same as filing a claim (TDI notes Texas carriers should not surcharge mere inquiries).[3]
This is general consumer information, not legal or insurance advice. Coverage, deadlines, and rates depend on your policy, your insurer, and your state's laws. Check your policy and contact your state's Department of Insurance if you have questions.
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Frequently asked questions
Does a prior owner's claim stay with the house?
Property claim history can be associated with an address as well as with people — ask your agent how your carrier underwrites.
Is CLUE the same as my credit report?
No. It is a loss-history database, separate from credit-based insurance scores.
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Sources
- NAIC consumer resources on personal lines pricing and underwriting (claims history / CLUE). content.naic.org/sites/default/files/inline-files/Regulator%20Resources%20for%20
- Washington OIC overview of CLUE reports (LexisNexis claims history). www.insurance.wa.gov/insurance-resources/auto-insurance/credit-and-insurance/clu
- Texas Department of Insurance: Will my premium go up if I file a claim?. www.tdi.texas.gov/tips/will-my-premium-go-up-claim.html
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.