Pre-Loss Assessments
The best time to prepare for a loss is before it happens. A Pre-Loss Property Assessment creates a clear, documented record of your property’s condition and value, giving you critical evidence to support any future insurance claim.
Whether you own a commercial building, manage a homeowners or condo association, or live in a high-value residential property, a pre-loss assessment helps protect your investment and ensures you are in the best possible position if you ever need to file a claim.
Why Pre-Loss Assessments Matter
After a major storm, fire, or other damaging event, insurance claims can be delayed or disputed if there is no proof of your property’s condition before the loss. Memories fade, maintenance records get misplaced, and it can be difficult to show the true scope of damage. A thorough pre-loss assessment eliminates this uncertainty.
By documenting your property in detail, we create a reliable baseline for comparison after any event. This not only helps establish the extent of damage but can also prevent disputes and speed up the claim process.
What Our Pre-Loss Assessments Include
Comprehensive On-Site Inspection
We conduct a detailed walk-through of your property to record its current condition. This includes both exterior and interior areas, with a focus on roofing, structural elements, mechanical systems, and high-value finishes.
High-Resolution Photography and Video
Every area of your property is photographed, and in many cases, we use video to create a visual record that captures details still images can miss.
Matterport 3D Scanning
When needed, we use advanced Matterport technology to create a complete, walkable 3D model of your property, allowing for a virtual "before" view in the event of a loss.
Drone and Aerial Imaging
For commercial buildings, multi-story structures, or large properties, we use FAA-certified drone technology to capture high-resolution aerial images of roofing, grounds, and hard-to-access areas.
Detailed Written Report
All findings are compiled into a clear, organized report that can be stored digitally and accessed whenever needed. This report becomes a permanent reference point if a claim is ever filed.
Identification of Current Issues
In addition to documenting your property, our inspection may reveal existing issues that should be addressed now to prevent future problems or disputes with your insurer.
Who Benefits from Pre-Loss Assessments
Homeowners and Condo Associations: Maintain a documented record for all common areas and facilities.
Commercial Property Owners: Protect buildings, equipment, and tenant improvements.
High-Value Residential Property Owners: Ensure every detail is documented for comprehensive protection.
Your Insurance Safety Net
A Pre-Loss Property Assessment is like an insurance policy for your insurance policy. It strengthens your position in a future claim, reduces the risk of disputes, and helps ensure you are compensated fairly and promptly if disaster strikes.