Already on the defensive about the use of credit scores for underwriting, property/casualty insurers now face another assault on one of their prime data tools in the nation's largest market for homeowners insurance.In late April, California Insurance Commissioner John Garamendi all but banned carriers' use of the main data source to underwrite and rate homeowners insurance policy. For 11 years, the Comprehensive Loss Underwriting Exchange (CLUE) has tracked claims on properties and property owners supplied by carriers of the nation's homeowners insurance policies.

Carriers use CLUE reports to determine if applicants for homeowners insurance have owned any property over the past five years and whether any claims have been filed against the property for which the applicant is seeking coverage. Garamendi's advisory all but prohibits insurers from using that data for any adverse underwriting decision.

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