Property loss type
What does a Smoke claim mean on a CLUE report?
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.
Smoke in plain English
Smoke damage without (or beyond) direct fire damage — e.g., from a nearby fire or a furnace puff-back.
A named peril; usually appears alongside or instead of a Fire entry for the same incident.
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
Separate Fire and Smoke entries for one incident being counted as two claims.
- 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 reports, remediation invoices, the insurer's claim file.