CLUE (Comprehensive Loss Underwriting Exchange) is a database run by LexisNexis that tracks insurance claims across all major carriers. When you apply for a new home or auto policy, the carrier pulls your CLUE report to see what you have filed in the past 5 to 7 years. Why this matters. CLUE reports follow the property and the person. A property with multiple water claims may be harder to insure or get priced higher even after you buy it from someone else. Your personal CLUE follows you when you switch carriers. Your rights. You can request your own CLUE report free once a year from LexisNexis at consumer.risk.lexisnexis.com. If you find errors, you can dispute them. This is one reason we recommend not filing very small claims. They show up on CLUE the same as large ones.