Plain-English CLUE report loss types

A sewer backup loss on a CLUE report means water or sewage entered the home through drains — usually covered only by an optional endorsement, and heavily weighted by underwriters.

Weight of ice, snow, or sleet is a standard named peril on homeowners policies covering structural damage from winter precipitation buildup.

Mysterious disappearance on a CLUE report means an item was lost with no known cause — a loss type used mainly with scheduled valuables coverage.

Damage to property of others is a liability loss type on CLUE reports — your policy responded to damage you caused to someone else's property, often shown with a $0 amount.

A bodily injury liability loss on a CLUE report means the policy paid or defended a claim for injuring another person.

Property damage liability on a CLUE report means the policy paid for damage the insured caused to someone else's property — on auto reports, typically an at-fault accident.

Medical payments losses on a CLUE report are small no-fault medical claims — a guest injured on the property or vehicle occupants — that still count in claims history.

A dog bite loss on a CLUE report is a pet-liability claim that insurers weight heavily; consumers can attach an explanation (such as rehoming the dog) to the report.

A theft/burglary loss on a CLUE report records stolen-property claims at an address or on a vehicle for up to seven years.

Vandalism (malicious mischief) on a CLUE report is a deliberate-damage claim, a standard named peril on homeowners and comprehensive auto coverage.

A lightning loss on a CLUE report is a weather-event claim for strike or surge damage, one of the basic named perils on every homeowners form.

A freezing loss on a CLUE report is burst-pipe/frozen-system damage — a named homeowners peril often intertwined with water damage claims.

A smoke loss on a CLUE report covers smoke damage as its own named peril, often companion to a fire claim from the same incident.

A fire loss on a CLUE report records fire-damage claims at a property or vehicle for up to seven years — the most fundamental named peril.

A wind or windstorm loss on a CLUE report is storm damage to the property — usually weather-event history rather than a behavioral red flag.

A hail loss on a CLUE report is storm damage to a roof or vehicle, recorded as weather-event claim history for up to seven years.

A water loss on a CLUE report is sudden internal water damage (pipes, appliances) — the peril insurers weight most heavily when pricing a home.

A mold loss on a CLUE report usually traces to a prior water claim; insurers treat mold history at an address as a serious risk signal.

A flood loss on a CLUE report means rising-water damage claimed under separate flood insurance — standard homeowners policies exclude flood.

An earthquake loss on a CLUE report is a claim under separate earthquake coverage — standard homeowners policies exclude earth movement.

A glass loss on a CLUE report is a broken-glass claim (building glass or auto windshield) — usually minor but still part of claims history.

A collision loss on a CLUE auto report means your collision coverage paid for crash damage to your own car — a major factor in future premiums.

A comprehensive (other-than-collision) loss on a CLUE auto report covers theft, fire, flood, or vandalism damage to the vehicle — typically rated as not-at-fault.

An uninsured motorist loss on a CLUE report means your own coverage paid after an uninsured or hit-and-run driver hit you — a not-at-fault claim.

Towing and labor losses on a CLUE report are small roadside-service claims that can still add to claim-frequency counts.

A credit card/forgery loss on a CLUE report is a small homeowners additional-coverage claim for unauthorized card use or forged instruments.

A falling-objects loss on a CLUE report is typically tree or debris damage, a named peril on broad-form homeowners policies.

An explosion loss on a CLUE report is a basic named-peril claim, rare but covered on all standard homeowners forms.