What is a CLUE Report or History Loss Statement?

A CLUE report, generated by LexisNexis (a consumer reporting agency that maintains a large database of consumer claims submitted by insurance companies) details homeowners insurance claims made on a property within the past seven years. Insurance companies use these reports to help determine the cost of homeowners insurance based on the property’s claims history, among other criteria.

Why Should Homebuyers Care About CLUE Reports?

CLUE reports can reveal potential problems with a property, such as water damage, foundation issues, or mold. Knowing about these past issues can help you anticipate future maintenance needs and potential insurance costs. For instance, multiple claims for water damage might suggest recurring issues that could lead to mold, which might increase your homeowners insurance premiums.

What Information is Included in a CLUE Report?

A CLUE report includes the homeowner’s name, personal details, policy number, date of claims, types of loss, and the amounts paid by the insurance company for each claim. It may also contain general information about insurance providers and the nature of the claims.

How to Access a CLUE Report

Homeowners can obtain a copy of their property’s CLUE report for free once every 12 months, thanks to the Fair Credit Reporting Act. They can request this report from LexisNexis by calling 1-866-312-8076 or visiting www.consumer.risk.lexisnexis.com.

As a buyer, you cannot directly access a CLUE report for a property you’re interested in. However, you can ask the seller to provide it or make your offer contingent on receiving a satisfactory CLUE report. Additionally, when you apply for homeowners insurance, the insurance company will pull a CLUE report on the property so you will know about the claims history.

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Nestled at 7,000 feet near the base of the San Francisco Peaks, Flagstaff reigns as the mountain jewel in the crown of the desert state of Arizona. It beckons with its clear air, cool pine forests, and proximity to historic and natural attractions. Flagstaff is a region settled by varied cultures and built by strong men and women pioneers that made this city what it is today.

A Tale of Two Towns

Old Town Flagstaff, circa 1884

In 1883, the railroad decided to move their depot about a jalf mile east of the Flagstaff settlement so their trains didn't have to start up on the steep hillside. One of the local merchants, P.J. Brannen, saw this as an opportunity and decided to move his mercantile across from the depot. Others followed, building a strop of shops, saloons, and hotels along what became knows as Front Street. As a result, Flagstaff became two settlements: the original site called Old Town, and the site near the depot named New Town.

Old Town had water, but New Town had commerce and soon outgrew the older settlement. In 1884, a devastating fire burned down many of Old Town's buildings and New Town became the one and only Flagstaff. Its center was the intersection of Front and San Francisco Streets. Later Front Street would be called Railroad Avenue, but in 1926, the road became part of Route 66 and was renamed Santa Fe Avenue. In 1993, the road was renamed for the historic Route 66, and it continues to be a major thoroughfare of the city.

By the early 1890s, the young town of FLagstaff had reached a population of 1,500 and had become one of the largest towns in the territory. It had a well developed business district and homes were being built throughout the area. The inhabitants realized that the town would soon be too big to continue without some kind of formal organization.

Stay tuned for the final chapter: Part 4, Flagstaff Finds Success in Incorporation!

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The lava tube cave in Flagstaff, Arizona, is a fascinating geological feature that offers visitors a unique opportunity to explore underground passages created by ancient volcanic activity. Here's a closer look at this natural wonder:

Formation

The lava tubes were formed thousands of years ago during volcanic eruptions in the San Francisco volcanic field, which covers much of northern Arizona. As molten lava flowed from the volcanoes, the outer layer cooled and solidified into a tube-like formation. This newly created tunnel filled with molten lava. Once the lava stopped flowing, it cooled and left behind a ¾ mile-long tunnel for anyone brave enough to explore it. This 700,000 year old formation remains a cool 35° - 45° F even in summer.

Location

The Lava River Cave, located within the Coconino National Forest, is easily accessible via Forest Road 171, just a short drive from downtown Flagstaff. The cave entrance is marked by a sign, and a short hike leads visitors to the mouth of the cave. However, the Forest Roads are closed in winter, so to access in winter you will need to ski, snowbike, or hike 4.5 miles from Highway 180.

The road to the main parking lot is well-maintained. The approach from the parking lot to the entry of the Lava River Cave is a flat, hard-packed trail that is less than ¼ mile long.

Exploration

Exploring the lava tubes is a thrilling adventure that appeals to both novice and experienced spelunkers. Inside the cave, visitors will encounter a dark and otherworldly environment, characterized by narrow passageways, towering rock formations, and eerie silence.

As you venture deeper into the cave, you'll have the opportunity to marvel at unique geological formations, such as stalactites, stalagmites, and lava shelves, which have formed over thousands of years. The temperature inside the cave remains cool year-round, making it a refreshing escape from the desert heat during the summer months.

Being in mostly good physical condition is appropriate. The first 300 ft of the cave is composed of loose, often times slippery boulder rocks that will require some scrambling. You will need to use your hands, feet, and even sit on rocks for stability. There are points in the cave where the roof gets low. You may need to crouch or even crawl.

Safety

While exploring the lava tubes can be an exhilarating experience, it's important to prioritize safety at all times. It's also advisable to bring plenty of water and snacks, as well as a first aid kit in case of emergencies.

Wear warm clothing and sturdy footwear with good traction to navigate the uneven terrain, and be mindful of low ceilings and tight spaces within the cave. Optional: you could bring a helmet.

Most importantly, you will need 3 sources of light including a flashlight, headlamp, lantern, etc. This is because the rock floors tend to be a combination of slippery and dark. If your light source fails, you will experience pure, pitch-black darkness. It is the kind of dark where you cannot see your hand even if it is touching your nose!

Conservation

Preserving the natural beauty and integrity of the lava tubes is crucial for future generations to enjoy. Visitors are encouraged to practice Leave No Trace principles by avoiding littering, staying on designated trails, and refraining from touching or removing any natural formations within the cave. Pets are not allowed in the lava tubes.

Camp Colton does educational school programs in the cave and the experience is a rite of passage and an awesome adventure to all Flagstaff sixth graders.

Final Thoughts

The lava tubes in Flagstaff offer a captivating journey into the depths of the Earth, where visitors can witness the incredible forces of nature that shaped the landscape millennia ago. Whether you're a seasoned adventurer or a curious explorer, a visit to the lava tubes promises an unforgettable experience that will ignite your sense of wonder and appreciation for the natural world.

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