Know the facts about a C.L.U.E. report

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By Andrew Michalscheck By Andrew Michalscheck

PHOENIX -- Monsoon 2013 has hit the Valley hard. 

The destruction has left homeowners to clean up the mess and some wondered if their insurance would cover the cost to clean up.

"Something like that flooding, even just a question about that or saying maybe they had some damages that may not be claim worthy the insurance companies do want to know about that for future reference," said Nicole Farr with the Arizona Insurance Council

Farr is referring to a C.L.U.E. report, short for comprehensive loss underwriting exchange.

"It basically records any damages that have been done to the home but also repairs that have been done to the home, especially if there's been flooding in the home," explained Farr.

While many Arizona homeowners are filing claims, what some may not realize is that even if you call your insurer to just make an inquiry about a repair but decide not to make a claim that inquiry sticks to you and will still be included on your C.L.U.E. report.

"It's documented, it's not a negative, it's not necessarily a positive either, it's just documented," Farr said.

Farr says federal regulations allow insurance companies to decide what they choose to document.

"If there's been multiple damages to a home and none of them have been repaired, if the roof has been leaking for years and maybe some phone calls have been placed about that even not a claim and it's never been repaired , I think a home buyer would want to know that," said Farr.

Some critics fear the C.L.U.E. report puts your home on a so-called blacklist. But experts say the C.L.U.E. report is there to protect the homeowner.
"If they find out that there has been no repairs and causing damages they may not want to purchase that house anymore," stated Farr.

C.L.U.E. reports goes back five years on a property, kind of like a credit report.

"I think I would also even compare it to a car fax for a vehicle," said Farr. "You're making a large investment in a home, I think most people would want to know what that home has been through and if it's a safe living environment for them and their families."

To contact the Arizona Insurance Council visit: