What is a loss history report?

A Loss History Report is a record of insurance losses associated with a home or a car. Most homeowners and auto insurance companies contribute claims history information to a database known as the Comprehensive Loss Underwriting Exchange (C.L.U.E.), which is available from LexisNexis. The information is generally used by insurers when they underwrite policies.

If you are buying a home it is a good idea to ask the current homeowner to request a copy of the C.L.U.E. loss history report. These reports provide a record of the type of loss on the home, the date of the loss and the amount and status of each claim—going back five years. By law, one free report is allowed per year. For homes an A-PLUSTM property report is also available from ISO®. If the report indicates there has been damage to the house, you can have it checked by a professional before committing to the purchase of the home.