What Is a CLUE Report — and Why It Matters in Colorado Real Estate
Buying or selling a home in Colorado involves a lot of moving pieces — inspections, appraisals, title work, and more. One detail that often flies under the radar is the CLUE Report, short for Comprehensive Loss Underwriting Exchange.
A CLUE Report provides a seven-year history of a property’s insurance claims, including issues that might affect how an insurance company views the home’s risk level, such as:
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Water damage
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Fire
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Wind damage
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Mold
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Liability claims
Why It Matters
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Buyers can review the report to uncover potential red flags or better understand what’s been repaired.
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Sellers can request their own CLUE Report early to confirm accuracy and be ready to address questions during the sale.
Insurance companies use CLUE data when setting premiums, so understanding what’s on record helps avoid surprises later. Homeowners can request one free copy per year directly from LexisNexis, the company that manages CLUE reports.
In Colorado’s diverse housing market — from mountain retreats to suburban neighborhoods — knowing a property’s claim history is an important part of protecting your investment and ensuring a smoother transaction.
If you’re navigating the buying or selling process and want to understand how reports like these can impact your real estate journey, I’m happy to help guide you through it.
