Property loss type
What does a Damage to property of others claim mean on a CLUE report?
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.
Damage to property of others in plain English
You (or a household member) accidentally damaged someone else's property, and your policy's liability side responded.
This is a liability-section entry, not damage to your own home. On real CLUE reports it frequently appears as a $0 companion line next to a paid first-party loss on the same claim.
CLUE disclosures and carrier feeds vary. Use this as a decoder aid, then verify the entry against your report, insurer records, and claim documents.
What to watch for
A $0 'Damage to property of others' payment line attached to an ordinary first-party claim — it can make one incident look like multiple losses to a fast-reading underwriter.
- Date of loss versus the report and order dates
- Amount paid, especially if the entry shows $0
- Claim status, including inquiry or information-only language
- Property address, vehicle, or policyholder identity
- Duplicate entries for the same event
Evidence that may help
The claim file from the insurer showing a single underlying incident; correspondence showing no liability payment was made.