Property underwriters
Desk Loss-Control Evidence Packet
One decision at the moment of bind or renewal: accept, refer, or spend money on a physical inspection — and whether the risk clears the carrier's own flood, wind and wildfire eligibility rules before a quote goes out.
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What is on it
24 lines, three maps and charts, and one page of answers. Anything we cannot answer for a property says so rather than being left blank.
Building identity
State, county, place and census tract
Measurement coverage and date
Coastal barrier unit and insurance restriction date
Flood zone, special flood hazard status, subtype
Levee dependence of the zone, and levee accreditation
Levee overtopping chance and return period
Flood claims paid in this block group since 1978
Mapped zone and claim record disagree
Building height, story count and footprint area
Nearest structure: occupancy class and footprint area
Surrounding structures counted by class
Trees tall enough to reach the building
Vegetation height and canopy cover
Storm surge depth band for each hurricane category
Nearby hail reports since 1955, by stone size
Severe wind gust reports, and the strongest confirmed gust
Ground snow load, snow depth and water equivalent
Seismic design category, site class and design values
Soil shrink-swell, drainage and hydrologic group
Wildfire hazard potential class, and burnable land nearby
Times burned by past wildfires, and years since the last
Nearest fire and EMS station, straight-line and road miles
What was answered, what was declined, and known limits
What it is not
- No score, grade, tier, percentile, color code or overall rating of any kind, and no accept / decline / refer recommendation.
- No premium, rate, loss cost, relativity, expected annual loss or dollar exposure figure.
- This is not an Elevation Certificate, a survey, or any engineer's, architect's or surveyor's instrument of record, and it carries no seal.
- No first-floor height and no lowest-adjacent-grade line in v1.
- Not a substitute for the 4-point, wind-mitigation or loss-control inspection, and it does not report roof age, roof covering, roof condition, plumbing, electrical, HVAC, water-heater age or any interior system.
- No statement that a property needs work, is deficient, or should be repaired, and no prescription of any remedy.