Whether you're buying or sellinga home, you need to get aCLUE (ie, comprehensive loss underwritingexchange). Insurance companiesare starting to balk at insuringhomes that have a record of pastclaims, and they share claims informationthrough CLUE. A CLUE report ona house shows its past claims history,which could affect whether a prospectivebuyer can get homeowner'sinsurance. If you're a seller, you canget your home's CLUE report throughChoicetrust (800-765-8031; www.choicetrust.com) for $9. Look it over andreport and fix any errors you find.Homebuyers, on the other hand, facea glitch—only the current owner canget a CLUE report—but they can insiston seeing it before they ink a deal.