Article: Houston Chronicle Shannon Buggs Column.

By Shannon Buggs, Houston Chronicle Knight Ridder/Tribune Business News

Dec. 30--Marcel Sweers started shopping for a new insurer when State Farm raised his home insurance premium 37 percent this year.

He found an Allstate agent willing to sell him less-expensive coverage on his League City home.

But that agent pulled the CLUE report for Sweers, which is short for Comprehensive Loss Underwriting Exchange, and discovered that he had filed a water damage claim in October 2001. Then she said she could not offer Sweers a policy.

He was baffled until he remembered a February phone call to his State Farm agent.

"We never made ...

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