Participating insurers add loss information to the C.L.U.E. database. These are details like insurance company name, policyholder name, policy number, property address, claim number, date of loss, type of loss and amount paid. All losses opened for investigation are in the C.L.U.E. database, including those denied or closed without payment.

Participating insurers can also search the database for past claims. This helps the insurance company evaluate an applicant's potential for future claims. An insurer may opt to decline an application for homeowners coverage based on past claims listed in the C.L.U.E. report.

As the property owner, you are entitled to one free copy of your C.L.U.E. report each year. Contact LexisNexis at 1-866-312-8076 or personalreports.lexisnexis.com. Contact them about errors on the C.L.U.E. report that need to be corrected as well. Individuals are allowed to add brief personal statements to the C.L.U.E. report. An individual cannot obtain a C.L.U.E. report on another person's property.