Find the perfect home, schedule showing times and more!
List With Us
Our Services
Find the right Agent, Mortgage or Title Officer for you.
About Us


Homeowners Insurance Concerns

Homeowners Insurance Concerns

There are several areas of concern that can potentially cause problems obtaining homeowner’s insurance coverage for a property. It’s critical to research the insurability of a home early on in the contract to be sure that these factors don’t affect the ability to obtain a homeowner’s insurance policy.

  • Credit Scoring. Credit scoring is now part of the insurance process. While coverage cannot be denied in the State of Illinois based solely on a credit score, the score itself can make it more difficult to get the coverage in place and/or make the coverage more expensive.
  • Property’s C.L.U.E. Report. The insurance industry maintains a common database called the Comprehensive Loss Underwriting Exchange (C.L.U.E.) that lists claim histories for properties. Higher claim history for the property could indicate a need for higher amounts of coverage and price a property out of consideration for buyers. It is recommended that homebuyers review a copy of the C.L.U.E. report prior to purchasing an existing home or condominium.
  • DryVit. Many insurance companies are refusing to write coverage on homes that contain DryVit because of the fear of long-term mold developing between the DryVit and the frame as a result of trapped moisture. Many insurance companies are considering not renewing current policies for homes that contain DryVit. Review this portion of your policy very carefully if DryVit is a concern for you and talk to the insurance company that represents you so that you are aware of their position on this topic.

How we can help?

C.L.U.E. Reports.

We can obtain a C.L.U.E. report for you with a no-obligation quote. This is complimentary to you and will give you peace of mind as you move forward with your home buying and insurance decisions.

We have some insurance companies that currently consider DryVit in their underwriting process.

Please contact us. We want to be in a position to help you with these insurance concerns.