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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Our Commitment To Providing Accurate And Reliable Clue Reports

CLUE Reports, or Comprehensive Loss Underwriting Exchange Reports, play a crucial role in the home insurance industry. These reports provide insights into a property’s claims history, allowing insurers to assess the risk involved in providing coverage. At Obrella, we understand the importance of accurate and reliable CLUE Reports to both homeowners and insurers.

Our Commitment to You

At Obrella, we understand that when it comes to making decisions about your home insurance, you need accurate and reliable information. That’s why our top priority is our commitment to you, our valued customer. We go above and beyond to deliver CLUE Reports that are thorough, up-to-date, and trustworthy.

Our team of experts is dedicated to meticulously collecting and analyzing data from various reliable sources. We leave no stone unturned in our quest for accuracy, ensuring that the information presented in your CLUE Report is as precise as possible. We understand the importance of this report in helping you make informed decisions about your home insurance needs.

But our commitment to you goes beyond just delivering accurate information. We also strive to provide exceptional customer service. Our team is always ready to assist you with any questions or concerns you may have regarding your CLUE Report or your home insurance in general. We believe in building strong relationships with our customers and being there for you every step of the way.

Our Commitment to Editorial Integrity

Transparency is a core value at Obrella. We believe in maintaining the highest level of integrity in the creation of our CLUE Reports. To achieve this, we have stringent editorial guidelines in place.

Our team of experts follows these guidelines meticulously, ensuring that your CLUE Report is unbiased and reliable. We understand that your trust in our reports is crucial, and we take that responsibility seriously. You can rest assured that our team’s expertise and dedication to editorial integrity are reflected in every CLUE Report we provide.

Our commitment to editorial integrity means that we never compromise on the quality of our reports. We believe in presenting the facts objectively, without any hidden agendas or biases. Our goal is to empower you to make informed decisions regarding your home insurance needs.

How We Ensure Transparency in Our Earnings

At Obrella, we believe in transparency in all aspects of our operations. We want to make it clear that the information provided in your CLUE Report does not impact our earnings or compensation from insurance companies.

We remain unbiased throughout the entire process. Our primary goal is to provide you with accurate and reliable data, empowering you to make the best decisions for your home insurance needs. We understand that your trust is essential, and we are committed to maintaining your trust by providing transparent and unbiased information.

Our dedication to transparency extends beyond just our earnings. We are always open to feedback and suggestions from our customers. Your input helps us improve our services and ensure that we are meeting your needs effectively. We value your opinion and are constantly striving to exceed your expectations.

In conclusion, at Obrella, we are committed to delivering CLUE Reports that are not only accurate and reliable but also transparent and unbiased. We understand the importance of providing you with the information you need to make informed decisions about your home insurance. Trust us to be your partner in protecting your most valuable asset – your home.

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Easily Compare Home Insurance Rates

When it comes to protecting your home and belongings, it is crucial to find the best home insurance rates available in the market. Our user-friendly platform allows you to easily compare home insurance policies from multiple insurance providers. Simply enter your information, and within minutes, you’ll have access to a comprehensive list of options tailored to your specific needs.

Get Custom Quotes in Minutes

To further facilitate your decision-making process, we provide custom quotes based on your individual requirements. Our advanced algorithms analyze multiple factors, such as your property location, desired coverage, and deductible options, to generate personalized quotes instantly. This feature empowers you to make well-informed decisions based on accurate and up-to-date information.

Find the Best Home Insurance Rates

Our commitment to providing reliable CLUE Reports ties in with our determination to help you find the best home insurance rates available. By utilizing the data from CLUE Reports, we can identify insurance providers who offer competitive rates while maintaining quality coverage. With our assistance, you can secure the protection your home deserves without breaking your budget.

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Important Insights to Remember

When reviewing your CLUE Report, keep in mind that it provides valuable insights into your property’s claims history. Insurance companies utilize this information to assess the risk associated with insuring your home. Understanding the significance of CLUE Reports empowers you to take proactive steps to minimize risk and potentially reduce insurance premiums.

Understanding CLUE Reports and Their Significance

CLUE Reports contain comprehensive information about insurance claims filed on a property within the past seven years. This includes details regarding the date and type of claim, the amount paid by the insurer, and the reason for the claim. The availability of this information to insurance companies allows them to evaluate the potential risks they may encounter when providing coverage for your home.

The Process of Generating a CLUE Report

The creation of a CLUE Report involves data collection from various reputable sources, including insurance companies. These sources provide information on claims made by previous owners, as well as any claims filed on the property by the current owner. This comprehensive data enables insurance companies to make informed decisions when assessing risk.

What Information Does a CLUE Report Contain?

A CLUE Report typically includes details about the property, such as its address and the names of current and previous owners. Additionally, it provides a comprehensive record of insurance claims filed, including the claim type, date, and amount paid. This information can shed light on potential issues that may affect the insurability or cost of coverage for a specific property.

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What Does It Mean If a CLUE Report Is Blank?

If a CLUE Report is blank, it indicates that no insurance claims have been filed for the property within the past seven years. This information may be reassuring for prospective buyers or homeowners looking to maintain their claim-free record. However, it is important to note that a lack of claims does not guarantee future insurability or the absence of potential risks.

Obtaining a Copy of Your CLUE Report

To obtain a copy of your CLUE Report, you can request it directly from LexisNexis®, the company responsible for distributing these reports. Visit their website or contact their customer service to initiate the request. By reviewing your CLUE Report, you can gain insight into the history of your property’s insurance claims, allowing you to make informed decisions for your home insurance needs.

Utilizing Your CLUE Report Effectively

Once you have obtained your CLUE Report, it is essential to understand and utilize the information effectively. Review the details thoroughly, paying close attention to any past claims and their nature. With this understanding, you can take steps to mitigate any potential risks, such as improving property maintenance or addressing past issues proactively. Remember, knowledge is power.

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The Impact of CLUE Reports on Homeowners Insurance

CLUE Reports greatly influence the cost and availability of homeowners insurance. Insurers rely on this information to assess the risk associated with providing coverage. Properties with a higher frequency of claims or claims related to substantial damages may be considered higher risk, potentially leading to higher insurance premiums. Understanding the impact of CLUE Reports can help homeowners make informed decisions when it comes to choosing insurance coverage.

Clarifying the Purpose of a CLUE Report

The purpose of a CLUE Report is to provide a comprehensive view of a property’s insurance claims history. It allows insurers to evaluate the level of risk involved in providing coverage for a particular property. By clarifying this purpose, homeowners can grasp the significance of the information provided and its impact on their insurance coverage.

Frequently Asked Questions about CLUE Reports

For additional clarity, we have compiled a list of frequently asked questions regarding CLUE Reports. This resource can help address any concerns or queries you may have. Please refer to this section to find answers to common inquiries about CLUE Reports and their implications for homeowners insurance.

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Additional Resources for You

At Obrella, we understand that obtaining a CLUE Report and understanding its significance can be a complex process. To assist you further, we have compiled a list of additional resources and references. These materials can provide you with additional insights and empower you to better navigate the world of home insurance.

We remain committed to providing accurate and reliable CLUE Reports, coupled with exceptional customer service. Your trust is of utmost importance to us, and we will continue to deliver comprehensive and trustworthy information to help you make informed decisions regarding your home insurance needs.


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