Home Buying in Arizona>Question Details

Michele Bled…, Home Buyer in Tucson, AZ

I am wondering about a C.L.U.E. Report. I am buying a house that has two claims against... and I don't know

Asked by Michele Bledsoe, Tucson, AZ Wed Feb 11, 2009

what the claims are for. The C.L.U.E. Report came back with water damage. How can I find out exactly what occurred? This is a foreclosed property. What are my rights to having this information provided to me either by the insurance company that the claim was against or buy the real estate agent that has listed the property?
Any help would be much appreciated.

Help the community by answering this question:


Call your Insurance preson and have them run a quote for that home...you will find what you need to know, through your agent.
Web Reference: http://bradbergamini.com
0 votes Thank Flag Link Thu Feb 12, 2009
I have purchased 'as is' properties before... but there wasn't claims against the property in the past. And if there were, the I could ask the seller about them. But in this case, the seller (bank) is not required to tell anything. In addition, the previous owner is immune from revealing anything. What happens if that owner made a claim but never fixed the problem? Or didn't fixed the problem in an adequate way. This is all so interesting as to what should be made available to a buyer. Especially in this market of high foreclosures.
0 votes Thank Flag Link Wed Feb 11, 2009
I guess my confusion lies in this... that the Arizona law requires the seller to reveal this information. So say, that scenario happened... and then someone went to sell that specific property. Wouldn't the seller HAVE to reveal some of the information of what happened? "replaced door frame due to break in/assault".
But in this case, no one is required to tell you anything. "as is" there is no baseline for what "is". A buyer can only do so much to protect oneself.
To me, it's a house I'm inquiring about ....not a person. If they don't want the information 'on the record' then perhaps they shouldn't make the claim.
Clearly I don't know all that people put on these claims. But this information, to me, isn't telling someone much that is personal. Only that they had a problem with the house and fixed it.
0 votes Thank Flag Link Wed Feb 11, 2009
I hope you get answers. Probably the best chance you have is through your insurance company.
0 votes Thank Flag Link Wed Feb 11, 2009
Hi Rod!
I understand that they bank hasn't lived in it and that I am buying an "as is". My worry is that what "is". If the CLUE report states a past issue, then the bank doesn't have to live in to know there was the issue. They just need the details of what happened. Who protectst the buyer when you the prior insurance company has this information but won't reveal it? And if I knew what happened before, then that would help me determine the "is" factor and the value of the home.

Transparency is key here. But unfortunately sometimes that isn't as easy as it seems.

I have the listing agent and my insurance company checking into this and will let you know if I have any success. But from the way things sound, it's hopeless to obtain this information.
0 votes Thank Flag Link Wed Feb 11, 2009
That's one of the risks you take with a bank owned property. The bank knows nothing about the home and will not take any responsibility to make repairs. You get "as-is" condition. As Jay said, you need to do your own thorough inspections. If you want more confidence on what you are getting, then buy a property with an owner that will provide a disclosure report. Even then, inspections are recommended.
0 votes Thank Flag Link Wed Feb 11, 2009
Thank you for your response, Jay.

Yeah, it does leave me with ... what is the point? I mean, 'water damage' is vague. And really if I don't know specificially what happened, how do I know if it was correctly fixed? Pipes aren't visible always. The roof looks fine. But something seems not quite right about this process. How can a buyer do their research if specific information isn't provided? It's like buying a car that has a report of "1 accident" on it. What happened? Was it front end damage? Engine damage? Bumper damage?

What about this is confidential/private? If someone filed a claim on something you are looking to buy.... who/what are they protecting exactly? If we can't contact the past owner... then shouldn't the insurance company be able to provide this info?

The inspection came back that everything looked ok. The water is now turned off and has been because it's a foreclosure. The person who owned it prior is unlisted.
0 votes Thank Flag Link Wed Feb 11, 2009
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