For Owners whose property has been declined, nonrenewed, or heavily restricted
Information that helps a broker market a difficult property risk
How accurate evidence and a clear narrative help markets evaluate older, loss-affected, renovated, vacant, or unusual properties.
Name the exact issue
A difficult risk is not improved by vague reassurance. Identify the condition the prior carrier or market raised: losses, roof age, wiring, vacancy, cooking, protection, coastal exposure, valuation, maintenance, code issues, or another specific fact.
Show current evidence
- Dated photos
- Paid invoices and contractor scope
- Inspection or engineering report
- Permits or authoritative completion evidence where applicable
- Updated occupancy and tenant schedule
- Alarm, sprinkler, roof, plumbing, electric, or heating documentation
- Current loss runs and claim status
Separate completed from planned work
A proposal, contract, deposit, scheduled date, completed work, inspection, and approved correction are not the same. State the current stage and attach the evidence that supports it.
Use a concise risk narrative
Explain what happened, what changed, who completed or verified the work, what remains open, and when the evidence was produced. Keep the source documents available; do not rewrite uncertain facts as conclusions.
Prepare for underwriting conditions
A market may limit coverage, raise deductibles, require improvements, or offer surplus-lines terms. Clear evidence gives the underwriter a stronger basis for a decision.