Values
14/17
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.
3 data gaps · Sprinkler status: 2 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
89/100
Values / COPE / Loss / Flood / Entity / Coverage
Risk & underwriting signals
5 open
Accurate adverse facts already on the book
Mitigation loops
0
Repeat-loss patterns derived from this loss run
Risk & underwriting signals
Recorded facts, not missing exhibits
- RISK-ML-004CriticalNeeds confirmation
Millwork Lofts — 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 — FEMA flood zone confirmation is still pending.
- NFIP indicated — not confirmed in force — Millwork Lofts — indicated, not confirmed in force. Premium not recorded. No excess.
- Excess flood not structured — No excess flood structure is on the book.
- Conversion impact — Zone X on the site plan. Lender still wants a life-of-loan determination. Order determination; NFIP not indicated
- RISK-ML-003HighOn the book
Property — permanent (quoted) is indicated, not in force
$98,000 is on the quote line. It is not in the in-force composite.
Coverage schedule
- RISK-NH-005MediumOn the book
$63,000 incurred still open on this book.
Loss run
- RISK-NH-008HighOn the book
Sprinkler status: Unsprinklered
2 dwellings recorded as unsprinklered. The fact is on the schedule — it is a signal, not missing data.
SOV / building schedule
- RISK-NH-010HighOn the book
Large CAT / named-storm deductible on the program
Millwork Lofts builder’s risk: named storm 5%; wind 5% named storm · Ash Court LP project: named storm 2%; wind 2% named storm · Elm Senior LP project: named storm 2%; wind 2% named storm · River Park Family project: named storm 2%; wind 2% named storm · Cottonwood Housing LP project: named storm 2%; wind 2% named storm
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.
No repeat-loss pattern on this run yet.
COPE
17/17
No missing-data deductions on this pillar.
Loss information
17/17
No missing-data deductions on this pillar.
Flood
16/16
No missing-data deductions on this pillar.
Entity accuracy
12/16
Coverage schedule
13/17