The rambler or split-level you’re eyeing looks perfect in every way, but prior damage and other issues may be lurking in the house’s backstory. These are details you’ll want to know about before signing the closing papers. And you can, thanks to a free tool that lists insurance losses on a property going back seven years. The majority of home insurance companies contribute claims history information to a database called the Comprehensive Loss Underwriting Exchange, or CLUE. Underwriters use the information in a CLUE report to rate insurance policies. More info.