Don’t know what a CLUE report is?  Too bad because not knowing could cost you when buying a home.   A CLUE report is basically a historical report that shows insurance claims filed against that house.  A bad CLUE report could reveal that insuring your house may be either more expensive or impossible due to the amount of claims.  It’s important to always ask for a copy of the CLUE report when buying a house.  Remember, the CLUE report stays with the house so claims made by the previous owner will show up on your report.  That’s why it’s important to know.  If you have a bad report, you can expect a few years of higher than normal insurance payments until a few claims go off your CLUE report records.  If you are a buyer wanting to buy a house with a bad CLUE report, adjust your asking price to compensate for the higher insurance premiums you’ll have to pay.  Sadly, most real estate agents don’t know what a CLUE report is.

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