Like a credit report but mainly for insurance related stuff. Your "Clue" report will give you more info on why your insurance is higher or lower than someone else (all other things equal). We had a $25K roof collapse after multiple snow storms up north about 13 years ago and it finally dropped off. The insurance company took full care of us but the paid claim haunted us for like 10 years.
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"I think the scariest person in the world is the person with no sense of humor."
Michael J. Fox
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