Property loss type
What does a Dog bite / animal liability claim mean on a CLUE report?
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.
Dog bite / animal liability in plain English
Your policy responded to an injury caused by your dog or another pet.
Dog-bite claims follow the household: many insurers surcharge, exclude the dog, or decline coverage after one. You may add a note to your CLUE file (e.g., the dog has been rehomed).
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 dog-bite entry after the animal is no longer in the household — LexisNexis lets consumers add an explanatory statement to the file.
- 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
Proof the dog was rehomed, incident reports, breed/temperament documentation, claim resolution papers.
Sources
- Alabama Department of Insurance — What is a C.L.U.E. report? (consumer may add dog-bite notation, e.g. dog rehomed)
- Texas Department of Insurance — Home insurance guide (liability covers dog bites away from home)
- NAIC — Homeowners Insurance topic page (medical payments for people hurt by the homeowner's pets)