10-02-2026, 10:28 PM
保費或住宅理賠紀錄有疑問：先查自己的 CLUE 報告
住宅保費較高或理賠紀錄看來不對，可先查看自己的 CLUE 報告。Texas Department of Insurance 說明，這種報告列出住宅或車輛過去七年的理賠資料，保險公司可把它作為承保和定價的因素之一；不等於單憑報告便能算出應付保費。
消費者可按官方連結向 LexisNexis 每年索取一份免費報告，發現錯誤可提出爭議或補充說明。核對損失日期、類型、付款金額及保單或案件資料，保存文件，不要直接改寫或隱瞞既有理賠事實。
單純詢問保單或自付額，不應被當作提出理賠；聯絡代理時可清楚說明目的。準備買房的人可請屋主提供該物業的報告，而不是冒充屋主取得個人資料。TDI 查詢電話是 800-252-3439；更正申請不保證立即降低保費。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.tdi.texas.gov/tips/check-your-propertys-insurance-claim-history.html
English
Questions about premiums or past property claims: check your own CLUE report
If a home premium seems high or a claims record looks wrong, consider checking your own CLUE report. Texas Department of Insurance explains that it contains seven years of home or vehicle claims information, which insurers may use when underwriting and pricing. It does not calculate the correct premium by itself.
Consumers can follow the official link to request a free annual report from LexisNexis and dispute incorrect information or add an explanation. Check loss dates, types, paid amounts and policy or claim details. Retain evidence rather than altering or hiding genuine claim history.
Questions about a policy or deductible should not be reported as claims; explain clearly whether you are asking a question or filing. A home buyer can ask the owner for the property's report, not impersonate that owner. TDI lists 800-252-3439 for questions. Requesting a correction does not guarantee an immediate premium reduction.
Original publication date not established. Checked October 2, 2026. Official source: https://www.tdi.texas.gov/tips/check-you...story.html
![[Image: housing.jpg]](https://inl3-media.pages.dev/assets/photos/housing.jpg)
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
住宅保費較高或理賠紀錄看來不對，可先查看自己的 CLUE 報告。Texas Department of Insurance 說明，這種報告列出住宅或車輛過去七年的理賠資料，保險公司可把它作為承保和定價的因素之一；不等於單憑報告便能算出應付保費。
消費者可按官方連結向 LexisNexis 每年索取一份免費報告，發現錯誤可提出爭議或補充說明。核對損失日期、類型、付款金額及保單或案件資料，保存文件，不要直接改寫或隱瞞既有理賠事實。
單純詢問保單或自付額，不應被當作提出理賠；聯絡代理時可清楚說明目的。準備買房的人可請屋主提供該物業的報告，而不是冒充屋主取得個人資料。TDI 查詢電話是 800-252-3439；更正申請不保證立即降低保費。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.tdi.texas.gov/tips/check-your-propertys-insurance-claim-history.html
English
Questions about premiums or past property claims: check your own CLUE report
If a home premium seems high or a claims record looks wrong, consider checking your own CLUE report. Texas Department of Insurance explains that it contains seven years of home or vehicle claims information, which insurers may use when underwriting and pricing. It does not calculate the correct premium by itself.
Consumers can follow the official link to request a free annual report from LexisNexis and dispute incorrect information or add an explanation. Check loss dates, types, paid amounts and policy or claim details. Retain evidence rather than altering or hiding genuine claim history.
Questions about a policy or deductible should not be reported as claims; explain clearly whether you are asking a question or filing. A home buyer can ask the owner for the property's report, not impersonate that owner. TDI lists 800-252-3439 for questions. Requesting a correction does not guarantee an immediate premium reduction.
Original publication date not established. Checked October 2, 2026. Official source: https://www.tdi.texas.gov/tips/check-you...story.html
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.