What we review
- Dwelling coverage adequacy (replacement cost vs. actual value)
- Other structures coverage (detached garage, pool equipment, fence)
- Personal property coverage and sublimits (jewelry, firearms, electronics)
- Loss of use / ALE coverage
- Liability limits
- Hurricane / named storm deductible and applicability
- Flood coverage (separate NFIP or private flood policy)
- Law and ordinance endorsement
- Matching endorsement
- Mold sublimit
- Water damage limitations
- Earthquake / sinkhole endorsement if applicable
- Business interruption if commercial
- Specialty coverages (scheduled personal property, identity theft, etc.)
The Policy Audit Scorecard™
Our proprietary framework for pre-loss review. We produce a written scorecard showing:
- Strengths: where coverage is strong
- Gaps: where coverage is missing or inadequate
- Recommended changes: specific endorsement additions or limit increases
- Cost-benefit on each recommendation
When to schedule
- Annually at renewal
- After major life events (new home, major purchase, business opening)
- After any policy form change by the carrier
- Before hurricane season (recommended: April-May)
Cost
Pre-loss policy review is typically offered free of charge as a professional courtesy. For commercial or complex policies, a nominal consulting fee may apply. Review our Free Insurance Claim Consultation to learn more.