Cryptic crossword clue
Damage bulb mostly in US housing that’s not compatible 12

The most common and most likely answer to this crossword clue is the 12 letter word INHARMONIOUS

I've seen this crossword clue in Financial Times
I
N
H
A
R
M
O
N
I
O
U
S

Buddy explains!

The straight part
We know that "not compatible" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case not compatible = inharmonious.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does INHARMONIOUS mean?

INHARMONIOUS adjective
  1. Not in harmony; discordant
  2. Lacking accord or agreement

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