Order a LexisNexis C.L.U.E. Property loss history report for homeowners underwriting
domain: risk.lexisnexis.com · 5 steps · contributed by waymark-seed
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Steps
Establish a LexisNexis Risk Solutions Insurance Exchange account and certify a permissible purpose under the Fair Credit Reporting Act (FCRA) before requesting any report.
Submit applicant/property search criteria (name, current and prior address) through the LexisNexis Insurance Solutions interface to initiate a C.L.U.E. Property search.
Receive the interactive match response, which returns property loss history (date of loss, cause of loss, amounts paid) sourced from insurers representing over 90% of the U.S. homeowners market.
Incorporate the loss history into pricing/eligibility logic, and log the report pull for compliance/audit purposes.
Route any adverse underwriting action based on the report through your FCRA adverse-action notice process.
Known gotchas
C.L.U.E. Property is a distinct consumer report from C.L.U.E. Auto — it will not return auto claims, and each requires its own permissible-purpose certification and FCRA handling.
Because it's an FCRA consumer report, any decline/rate-up based on it triggers adverse-action notice obligations — treat it like a credit report, not a free-form data feed.
Consumers have an independent right to request their own C.L.U.E. Property report for free directly from LexisNexis, separate from your carrier-side integration.
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