The Diagnostic
The Community Insurance Diagnostic
A structured review of the insurance program, risk profile and underwriting position of your community.
What we evaluate
Seventeen points of review.
Property exposure
Replacement values
Coverage structure
Limits
Deductibles
Wind and hail structure
Loss history
Claims activity
Governing-document considerations
Vendor risk transfer
D&O exposure
Crime and fidelity
Cyber exposure
Umbrella and excess
Current carrier structure
Underwriting submission quality
Renewal strategy
We identify insurance-related provisions that may warrant discussion with the association’s legal counsel. We do not provide legal advice or interpret governing documents.
Coverage depends on the specific policy language, endorsements, facts of the loss and applicable law. This page is general information, not legal advice or a statement that coverage applies.
The process
How the diagnostic runs.
The sequence is deliberate. Each step produces the information the next one depends on, so the market is approached only after the community is understood.
1. Discovery
The community, the board's priorities and what prompted the review.
2. Data collection
Policies, schedules, loss runs, appraisals and vendor requirements.
3. Risk review
Property, operations, amenities, governance and financial controls.
4. Insurance analysis
Structure, limits, deductibles, gaps and overlaps across policies.
5. Underwriting strategy
How the community should be presented to the market.
6. Findings discussion
A plain-language walkthrough with the board or manager.
7. Renewal strategy
Timeline, market approach and decisions the board will need to make.
Request