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
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
Avoid these
Common mistakes
- XSeller failing to disclose claims they knew about
- XBuyer not requesting CLUE review
- XRealtor not explaining implications of claims history
No obligation. No fee unless recovery.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
For professionals
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Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
Florida claim updates
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