I get it, for 25 years you've dutifully paid your homeowner's insurance and never made a claim.  Your neighbors just had some vendor knock on their door, had them view their roof from the street and now they're replacing their roof from the (I love this one) - hail damage.  Atlanta is an area where we haven't had moisture for ten years and suddenly, intermittently in the same town, wherever a homeowner was home that day, their roof has hail damage.  What a coincidence.  Hey, just get the check from your insurance company and go on that vacation you deserve.

Comprehensive Loss Underwriting Exchange or CLUE is a database that records claims for insurance companies, pretty similar to CARFAX reports.   All of your home insurance claims are listed and kept for 5 years.  Everything is there, the date, type of loss, such as mold remediation.  If an insurance company decides that a CLUE report is too risky he can refuse to insure that home.  That means the lender won't lend to the prospective buyer of your home unless they can find an independent who will charge them (pardon the pun) through the roof.

Buyers and sellers should order the report and just deal with it up front as it's not insurmountable but may cost you in your sales price or some other concession as the buyer will have higher rates for some time to come.

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