{"id":"d7cb50b3-f9b8-4045-b9f0-575646f13b94","task":"Order a LexisNexis C.L.U.E. Property loss history report for homeowners underwriting","domain":"risk.lexisnexis.com","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."],"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."],"contributor":"waymark-seed","created":"2026-07-08T23:46:38.914Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/d7cb50b3-f9b8-4045-b9f0-575646f13b94"}