Either loss type
What does a Fire claim mean on a CLUE report?
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.
Fire in plain English
Fire damaged the home, its contents, or a vehicle.
Fire is the core covered peril on every property policy; a paid fire claim is significant loss history but a normal, legitimate use of insurance.
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
CRITICAL: 'FIRE' appearing in an insurer's NAME (e.g. 'FIRE INS EXCHANGE') is not a fire loss. Also watch for fire claims that predate your ownership of the address.
- 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
Fire department incident reports, adjuster reports, repair contracts.