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How Do You Find Out a Home's Insurance Claim History?

Last updated October 23, 2026

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The short answer

What Is a Clue Report?

A CLUE report is a detailed history of property insurance claims. It is compiled by LexisNexis and typically lists claims from the past five to seven years. This report shows the date, type, and amount paid for each claim. It helps insurers assess risk, and it gives you a clearer picture of a home's past issues. Understanding this report is a key step in evaluating a property's condition and potential future costs. The report is a crucial tool for identifying patterns of damage that could affect your decision to purchase a home.

How to Request the Report

You can request a copy of the CLUE report from the current homeowner, as they can order it from LexisNexis. If you are buying a home, your real estate agent may facilitate this request. You can also order a report on a property you already own. Another option is to ask your insurance agent to check for the report as part of their standard process.

Ask the Seller for Disclosure

In many states, sellers must disclose known material defects, including past water damage or major repairs. You should review the seller's disclosure form carefully. You can also ask specific, written questions about insurance claims for flooding or leaks. A verbal history is helpful, but written documentation provides a more reliable record. This formal request can clarify the extent and resolution of any previous incidents. It is an important part of your due diligence.

  • Review the standard property disclosure form.
  • Submit written questions about past water incidents.
  • Ask for repair invoices or contractor reports.
  • Inquire about any denied insurance claims.
  • Check if previous issues were fully resolved.
  • Note any disclosures about mold or foundation problems.

What Your Insurance Agent Can Do

When you apply for homeowners insurance, your agent will likely check the CLUE report. They use it to determine your premium and coverage eligibility. You can ask them to share the relevant findings with you. This step is crucial because a history of claims, especially water-related ones, can affect your policy terms and cost. Policies vary, and your insurer decides what is covered. Having this information helps you understand your potential insurance obligations before finalizing a purchase, so you are not caught by surprise later.

Why Claim History Matters

A home with multiple past claims may have unresolved or recurrent problems. It can signal chronic leaks, poor maintenance, or hidden mold. This history can make it harder or more expensive to insure the property. Knowing the claim history helps you make an informed decision and plan for potential future repairs. It allows you to budget for possible restoration work and negotiate more effectively based on documented past issues.

  • Identifies patterns of recurring damage.
  • Reveals the scope and cost of past repairs.
  • Helps anticipate future maintenance needs.
  • Impacts the cost and availability of insurance.
  • Highlights areas for a specialized inspection.
  • Informs your negotiation on the purchase price.

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Frequently asked questions

Can a seller hide previous insurance claims?

While sellers must disclose known defects, they might not volunteer claim history. The CLUE report provides an independent record they cannot easily hide. Always request the report directly to verify the information given in disclosures.

Does a past claim always mean a problem?

Not always. A single, well-repaired claim may not indicate an ongoing issue. However, multiple claims for similar damage, like repeated water leaks, suggest a chronic problem that requires a thorough professional inspection before purchase.

How does claim history affect my insurance?

Insurers see homes with multiple claims as higher risk. This can lead to higher premiums or certain exclusions in your policy. Policies vary, and your insurer decides what is covered. It is a key factor in their underwriting decision.

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