Help Desk FAQ

Homeowner

 

How do insurers use CLUE reports and the CLUE database?

CLUE reports are used almost exclusively to underwrite and rate new policies. Most insurers renewing existing policies do not access CLUE reports at renewal, largely because they already have loss histories for these properties in their own database.

Only insurance companies that subscribe to CLUE can submit loss data and access CLUE reports.

Some companies choose not to subscribe to CLUE. Losses filed with nonparticipating companies will not appear on a CLUE report.

 

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