Either loss type
What does a Theft / burglary claim mean on a CLUE report?
A theft/burglary loss on a CLUE report records stolen-property claims at an address or on a vehicle for up to seven years.
Theft / burglary in plain English
Property was stolen — from the home (burglary) or from/of a vehicle.
Theft claims at an address suggest security risk to underwriters and can raise premiums for the property's next owner too.
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
Theft claims filed by a previous resident of the address appearing against the property, and theft entries with $0 paid that were really coverage inquiries.
- 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
Police report numbers, claim settlement letters, proof of when you moved in.