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.
2 data gaps · Sprinkler status: 16 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
86/100
Values / COPE / Loss / Flood / Entity / Coverage
Risk & underwriting signals
6 open
Accurate adverse facts already on the book
Mitigation loops
11
Repeat-loss patterns derived from this loss run
Risk & underwriting signals
Recorded facts, not missing exhibits
- RISK-OC-004CriticalNeeds confirmation
Oakridge Court — Flood structure unresolved
One flood-structure issue: determination, indicated NFIP, whether excess flood is structured, and closing evidence.
Conversion Hub flood exhibit
4 recorded facts
- SFHA pending — Oakridge Court — flood is not structured on the book until the zone is known.
- NFIP indicated $32,000 — Southside Walk + scattered AE parcels
- Excess flood not structured — Southside Walk (AE) · Scattered Sites (Mixed X / AE)
- Conversion impact — SFHA determination pending. Order determination, NFIP evidence and excess flood option
- RISK-OC-003HighOn the book
Permanent property (quoted) is indicated, not in force
$312,000 is on the quote line. It is not in the in-force composite.
Coverage schedule
- RISK-CB-005MediumOn the book
$200,800 incurred still open on this book.
Loss run
- RISK-PC-007MediumNeeds confirmation
Mitigation in progress — Pinecrest Homes
plumbing / water · 55% · 3 losses on the book. Status and evidence live on portfolio data readiness.
Mitigation workroom
- RISK-CB-008HighOn the book
Sprinkler status: Unsprinklered
16 dwellings recorded as unsprinklered. The fact is on the schedule — it is a signal, not missing data.
SOV / building schedule
- RISK-CB-010HighOn the book
Large CAT / named-storm deductible on the program
CBHA Master Package: named storm 5% of TIV; wind 2% of TIV · Oakridge Court Conversion Program: named storm 5% current / 2% requested; wind 2% quoted
Program schedule
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.
- In progress
Pinecrest Homes · plumbing / water
Supply-line replacement and leak detection at Pinecrest Homes — recorded from the repeat water losses.
3 losses · $57,400 incurred · progress 55%
Evidence upload slots
- On file
- Empty
- Empty
Hold for next renewal compare — water-loss count vs prior term once the file is submitted.
- Not started
Cedar Lane Apartments · freeze
Recorded mitigation for the repeat freeze pattern at Cedar Lane Apartments.
2 losses · $227,600 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Scattered Sites · vandalism
Recorded mitigation for the repeat vandalism pattern at Scattered Sites.
2 losses · $31,000 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Westover Courts · plumbing / water
Supply-line replacement and leak detection at Westover Courts — recorded from the repeat water losses.
3 losses · $147,900 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Magnolia Senior · slip and fall
Recorded mitigation for the repeat slip and fall pattern at Magnolia Senior.
2 losses · $42,600 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Southside Walk · plumbing / water
Supply-line replacement and leak detection at Southside Walk — recorded from the repeat water losses.
3 losses · $64,300 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Southside Walk · wind / hail
Recorded mitigation for the repeat wind / hail pattern at Southside Walk.
2 losses · $60,000 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Riverbend Family · plumbing / water
Supply-line replacement and leak detection at Riverbend Family — recorded from the repeat water losses.
2 losses · $40,800 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Eastview Terrace · plumbing / water
Supply-line replacement and leak detection at Eastview Terrace — recorded from the repeat water losses.
3 losses · $55,400 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Maintenance staff · strain
Recorded mitigation for the repeat strain pattern at Maintenance staff.
3 losses · $71,600 incurred · progress 0%
Evidence upload slots
- Empty
- Empty
- Empty
- Not started
Authority fleet · intersection collision
Recorded mitigation for the repeat intersection collision pattern at Authority fleet.
2 losses · $61,000 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
10/16
Coverage schedule
17/17
No missing-data deductions on this pillar.