Property loss type
What does a Mysterious disappearance claim mean on a CLUE report?
Mysterious disappearance on a CLUE report means an item was lost with no known cause — a loss type used mainly with scheduled valuables coverage.
Mysterious disappearance in plain English
Insured property (often jewelry or other valuables) vanished with no explanation — no evidence of theft, fire, or any specific event.
Typically arises under scheduled personal property/valuable items coverage; many base policies exclude unexplained loss, so this loss type usually indicates a floater/endorsement 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 'mysterious disappearance' entry you don't recognize — because there is no incident report behind it, these are hard to trace and worth asking LexisNexis and the listed insurer to document.
- 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
Appraisals and schedules for the item, any police report filed, correspondence with the insurer about the loss.