Either loss type
What does a Vandalism / malicious mischief claim mean on a CLUE report?
Vandalism (malicious mischief) on a CLUE report is a deliberate-damage claim, a standard named peril on homeowners and comprehensive auto coverage.
Vandalism / malicious mischief in plain English
Property was deliberately damaged by someone else.
A named peril on standard homeowners forms and part of comprehensive on auto; repeated vandalism claims at an address flag neighborhood/occupancy risk to underwriters.
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
Vandalism claims from a period when the property was vacant or owned by someone else.
- 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 reports, repair invoices, dated photos.