Do You Have a CLUE About Your Insurance?

One of the things that surprises many people is that they have a separate insurance score. When it comes to getting property insurance, companies can look up your CLUE (Comprehensive Loss Underwriting Exchange) report and see what claims you have made on your insurance. This information is used to develop a score that insurers can use to help determine the cost for your coverage — or if you can even qualify for coverage.

Your CLUE report contains the following information about your insurance claims:

• Policy information (your name, birth date and policy number)
• Claim information (date of loss, type of loss, amounts paid)
• Description of the property covered
• Property address for homes covered in homeowner’s insurance
• Specific vehicle information for auto insurance

The CLUE database, however, does not offer information about your credit score or report, and does not include civil lawsuits, legal judgments or criminal records. A CLUE report is exclusively for insurers to check your claims on property. The information is up to five years old.

You want to be sure that the information in your CLUE report is accurate. If you are thinking about changing your insurance coverage, or if you are interested in buying a home, you might consider verifying that what is included in the report is accurate. If you want to make notations about a claim, that is also possible.

You can access your CLUE report by going to ChoiceTrust (which is run by consumer credit database ChoicePoint), by calling 1-688-527-2600 or by writing ChoicePoint Consumer Disclosure, P.O. Box 105108, Atlanta, GA 30348-5108.

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