Transaction & Risk
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Insurance Pre-Loss Baseline
A dated pre-loss record of building, contents and site condition so that after an event there is documented evidence of what existed beforehand.
What this service addresses
After a loss, the argument is about what condition the property was in before. Most owners have no dated, comprehensive record to point to.
What you get out of it
- Time-stamped pre-loss condition record
- Documented contents and equipment in captured areas
- Faster, better-supported claim documentation if an event occurs
What we capture
- Exterior, roof and site capture
- Interior capture of accessible areas including finishes and contents
- Equipment and specialty installations
What you receive
- Dated pre-loss imagery and spatial record
- Measured areas and elevations for affected-area calculations later
- Contents and equipment evidence index
- Archived record retained in the property workspace
How the engagement runs
- 01
Risk scoping
Identify areas, contents and exposures to document.
- 02
Capture
Comprehensive dated capture.
- 03
Indexing
Evidence organised for rapid post-event retrieval.
- 04
Professional review
Completeness and traceability review.
- 05
Archive
Record retained and versioned for future comparison.
Who this is for
- Owners in catastrophe-exposed regions
- Risk managers and insureds with complex contents
- Insurers and brokers advising insureds
Optional extensions
- Annual refresh
- Thermal and moisture-context pass
- Multi-site portfolio programme
Professional review
Every deliverable is checked by a qualified reviewer against the capture record before release. Review confirms that measurements, annotations and evidence links are traceable to source data and that stated accuracy and intended use are documented on the deliverable itself.
Limitations and boundaries
- We do not adjust claims, determine coverage, or set valuations. Those are decisions for licensed adjusters, insurers and appraisers.
- The record documents observable condition at capture date only.
- No guarantee is made regarding claim outcomes.
Questions about Insurance Pre-Loss Baseline
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Rapid, evidence-first property documentation during a diligence window so acquisition decisions rest on observed conditions rather than seller-provided material alone.
Scope Insurance Pre-Loss Baseline against your property.
Tell us the property and the decision. You get a written scope with an exact price before anything is scheduled.