There's a new way for home buyers to find out the history of a house called Comprehensive Loss Underwriting Exchange, or CLUE.   These reports offer a five year history of losses filed against an insurance policy (not a home warranty!) for a particular property.    The reports are based on claims info submitted by insurers and includes dates, types of claims and amounts paid for each.     Each report is $20

If the report shows no losses, it doesn't mean there's nothing wrong with the house -- but at least there hasn't been damage that would have prompted a claim.   However, if the report shows that the entire kitchen was replaced due to a leak on the second floor, this would be a great bit of information to arm an inspector, making sure no shortcuts were taken in that reconstruction.

Sellers might also want to order a CLUE so potential buyers don't have to.   It's another type of full disclosure that shows everthing about the history is being offered up front.   Only the homeowner can obtain the report, so would-be buyers will need to include the seller in the acquistion of one.

For more info, visit http://ChoiceTrust.com