If you want to learn about a homes of property damage, ask the Seller to provide a copy of their C.L.U.E. (Comprehensive Loss Underwriting Exchange) report.  The report lists claims for property loss and damage over the last 5 years, including any claims for theft, fire, flood, hail damage, etc. for any given property address.  The report  does not include personal information like the owners name, social security number, etc. 

Why would you want one?  The report could disclose property condition information or problems that may not have been disclosed.   And, the report can tell you about problems that might affect the availablility or cost of insuring the property.

Home buyers can purchase a report about for the last 5 years of insurance claim against any address in the nation by at Choice Trust, a division of Lexus Nexis.  Homeowners, you can obtain a FREE annual property loss report that covers the last 7 years.   A similar loss report called A-Plus, can be requested from the Insurance Services Office by phoning 1-800-627-3487.

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