Values
17/17
No missing-data deductions on this pillar.
Underwriting readiness
What the book can show an underwriter
Portfolio data readiness is only whether necessary information is present, current, and validated (Values, COPE, Loss, Flood, Entity, Coverage). Risk & underwriting signals — unsprinklered construction, open claims, incomplete mitigation — stay visible without lowering that score. File organization for licensed advisors, not a rating or a bind recommendation.
1 data gap · Sprinkler status: 24 unsprinklered · Underwriting signal: Elevated
Portfolio data readiness How calculated Six pillars (Values 17, COPE 17, Loss information 17, Flood 16, Entity accuracy 16, Coverage schedule 17). Deductions are missing or unvalidated facts only. Recorded adverse facts — unsprinklered dwellings, open claims, indicated lines — are signals, not deductions. This is not renewal file completeness.How calculated
92/100
Values / COPE / Loss / Flood / Entity / Coverage
Risk & underwriting signals
5 open
Accurate adverse facts already on the book
Mitigation loops
1
Repeat-loss patterns derived from this loss run
Risk & underwriting signals
Recorded facts, not missing exhibits
- RISK-BH-004HighNeeds confirmation
Brookside Homes — Flood structure unresolved
Flood structure unresolved for the master renewal: SFHA confirmation pending; NFIP indicated, not confirmed in force; excess none.
Flood exhibit — master renewal
4 recorded facts
- SFHA confirmation pending — Brookside Homes — flood is not structured on the book until the zone is known.
- NFIP indicated — not confirmed in force — Brookside Homes — indicated, not confirmed in force. Premium not recorded. No excess.
- Excess flood none — Brookside Homes (AE (SFHA confirmation pending))
- Renewal impact — Unresolved flood structure affects the next master renewal — SFHA confirmation, whether NFIP is in force, and that no excess is on the book.
- RISK-CC-005MediumOn the book
$18,600 incurred still open on this book.
Loss run
- RISK-WC-007HighNeeds confirmation
Mitigation not started — Willow Court
plumbing / water · 0% · 3 losses on the book. Status and evidence live on portfolio data readiness.
Mitigation workroom
- RISK-CC-008HighOn the book
Sprinkler status: Unsprinklered
24 dwellings recorded as unsprinklered. The fact is on the schedule — it is a signal, not missing data.
SOV / building schedule
- RISK-CC-009MediumOn the book
6 roofs older than 20 years are recorded on the schedule.
SOV roof-year field
Mitigation tracking
Claims → pattern → evidence for the underwriter
Patterns come from two or more losses at the same development with the same cause. Progress, cost, and evidence slots are a workroom record for licensed advisors and the property underwriter — not advice to install anything.
- Not started
Willow Court · plumbing / water
Supply-line replacement and leak detection at Willow Court — recorded from the repeat water losses.
3 losses · $64,600 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
COPE
17/17
No missing-data deductions on this pillar.
Loss information
17/17
No missing-data deductions on this pillar.
Flood
8/16
Entity accuracy
16/16
No missing-data deductions on this pillar.
Coverage schedule
17/17
No missing-data deductions on this pillar.