C.L.U.E. reports show the property insurance claims history of people and houses going back as far as seven years and can impact insurance rates. Unfortunately, a prospective homebuyer like you is not able to order a C.L.U.E. report on the property you are considering purchasing. Because of the Fair Credit Reporting Act, a federal law, C.L.U.E. reports can only be accessed by the owner, insurer, or lender for the property. If you're buying a house, though, it is a good idea to request a report at the same time that you make an initial offer. This has become commonplace in the modern real estate market, and many prepared sellers will provide the report upfront. In the event you can access a report and it shows that there has been significant damage or extensive repairs done to the house, you can let the home inspector know.
Alternatively, once you become the homeowner, you can receive a C.L.U.E. report simply by requesting a copy from LexisNexis. Ordering a report can be done toll free via phone by calling (866) 312-8076, or online at https://personalreports.lexisnexis.com. It is also important to know that as a homeowner, you have the right to challenge incorrect information on the report. Additionally, you should be aware that companies are only legally allowed to report certain information for the report if an official claim has been filed.
Lastly, you should recognize that a C.L.U.E. report can provide you with information about what has happened in the home, but it is also a good idea to consider accessing a Natural Hazard Report, which will give you information on which, if any, natural hazards the property is at risk of experiencing. The listing agent should be able to give you a copy of the NHD report before you make an offer on the property.