What is an insurance clue report?

When you apply for a homeowner's or auto insurance policy, your insurance company will likely order and review your CLUE report. Knowing about CLUE reports will help you understand how your insurance company evaluates your application.


A Comprehensive Loss Underwriting Exchange (CLUE) report is a document containing your personal information, as well as data regarding past property claims that have been paid under your previous insurance policies.

Claims Information

Claims information contained in CLUE reports includes the type of property (vehicle or home), dates of losses, loss descriptions and amounts paid.

Time Limit

Information about a property claim stays on your CLUE report for five years from the date the claim was paid.


Insurance companies use information on CLUE reports to evaluate homeowner's and auto insurance applicants for acceptability. Information can also be used to determine your policy premiums.

Reviewing Your Report

If an insurance company denies coverage or cancels your policy because of information on your CLUE report, you are entitled to a free copy of the report. CLUE reports can be obtained by calling ChoicePoint at (866) 527-2600.

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About the Author

Owen Pearson is a freelance writer who began writing professionally in 2001, focusing on nutritional and health topics. After selling abstract art online for five years, Pearson published a nonfiction book detailing the process of building a successful online art business. Pearson obtained a bachelor's degree in art from the University of Rio Grande in 1997.