For Realtors
CLUE Reports and Florida Home Sales
Comprehensive Loss Underwriting Exchange reports show claims history. Florida sellers must disclose. Buyers should request it.
Comprehensive Loss Underwriting Exchange reports show claims history. Florida sellers must disclose. Buyers should request it.
Context
Overview
CLUE reports list the last 5-7 years of insurance claims on a property. Florida disclosure law requires sellers to disclose known material facts. Claim history is typically material. Buyers can and should request CLUE as part of due diligence.
How it works
Workflow
- 01
Step 1
Seller requests own CLUE report (free annually)
- 02
Step 2
Seller discloses claims in disclosure form
- 03
Step 3
Buyer requests independent CLUE review
- 04
Step 4
Buyer evaluates claim history for insurability risk
- 05
Step 5
Close with full knowledge of history
Free claim review
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What kind of damage?
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Avoid these
Common mistakes
- XSeller failing to disclose claims they knew about
- XBuyer not requesting CLUE review
- XRealtor not explaining implications of claims history
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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For professionals
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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