07/10/2026
🏠 The Fair Credit Reporting Act entitles every property owner to one free CLUE report every 12 months from LexisNexis, the database most home insurers report claims into.
The report can hold up to seven years of claims history tied to the person, the property, or both, and insurers check it when they quote or renew a rate.
It records paid claims, files opened for potential claims, and formal denials, including claims where the insurer paid nothing.
A coverage or deductible question by itself should not become a claim entry, but insurers have logged inquiries before, so state clearly that you are asking a question and not filing a claim.
The free copy comes from lexisnexis' website and must be delivered within 15 days of the request.
Errors can be disputed under the FCRA, LexisNexis has to investigate with the reporting insurer, and you can attach a personal statement to any claim you want to explain.
A buyer usually cannot pull a seller's CLUE report directly, so the move is asking the seller for a copy and reviewing any claims before waiving inspection or insurance contingencies.
Have you ever pulled your CLUE report, and was anything on it a surprise?
*The content shared here is for educational and informational purposes only. It is not personalized investment, tax, legal, or financial advice. Consult a licensed professional before making decisions based on your specific situation.*
