Who has the authority to request a CLUE report?

The authority to request a CLUE (Comprehensive Loss Underwriting Exchange) report primarily rests with the property owner. A CLUE report contains detailed information about an insurance claim history for a property, which can include data on past claims, losses, and the types of damages reported. Since this report involves confidential information regarding claims made on their own property, only the property owner or an authorized representative can legally request it.

While real estate agents, prospective buyers, and mortgage lenders may have legitimate interests in the information provided by a CLUE report, they do not hold the authority to obtain it directly without the property owner's consent. A buyer might seek insights into the property’s claim history, and lenders might need to assess risk, but ultimately, it is the property owner who has the primary responsibility and authority to request the report on their property.