Synthetic sampleParker County · FIPS 48367

1490 Dry Fork Bend

Weatherford, TX 76087

Worth reviewing

Other Structures

Coverage state · Present, review advisable

$38,500

Recorded limit · Entered by agent from declarations
  • Parcel carries two detached improvements Parker CAD · Observed
  • Larger structure recorded as a 1,440 sq ft shop building, 2016 Parker CAD · Observed
  • Detached shop appears in listing photography Listing history · Inferred
Evidence sufficiency · Supported
Open question · Ask client

Is the detached shop heated, and does any heat-producing work take place in it?

Flood InsuranceNot identified
Wind DeductiblePresent, review advisable
Wildfire Exposure ReviewRequires confirmation
Extended Replacement CostPresent, appears aligned
Address-first property and coverage review for independent agencies

Every observation shows its work

Two detached structures in the appraisal record. A shop building in the listing photographs. An other-structures limit on the declarations page.

Public record and declarations page. Assembled before the call, not recalled during it.

Start a review

Deterministic first. The model writes the language, never the findings.

The review otherwise lives in five disconnected tools and the agent’s memory, so how complete it is depends on who remembers what, on which afternoon.

  1. 01

    Enrich

    Geocode the address, resolve county FIPS by point-in-polygon rather than name matching, then fan out across the public record in one parallel wave — parcel and appraisal, building permits, FEMA flood mapping, NOAA storm events, USFS wildfire hazard, USGS earthquake and elevation, grid reliability.

  2. 02

    Adjudicate

    Everything retrieved lands as prefill awaiting your decision — confirm, edit, reject, or mark unknown — and never as confirmed fact. What you establish outranks what was retrieved, and the superseded value is kept.

  3. 03

    Observe

    A versioned rules pass produces one observation per coverage topic: its relevance, its coverage state, a classification derived from those two, an evidence-sufficiency band, and its cited evidence. Unknown and conflicted facts contribute nothing and become open questions instead.

  4. 04

    Approve

    Nothing reaches the client without an explicit approval on that observation, then a second gate at send. The client report is built from what you approved, not filtered at render time.

The model never decides what you raise

Relevance, coverage state, classification and the evidence-sufficiency band all come from the deterministic pass and trace to a citable record. The model writes only the interpretive layer — narrative, talk track, and the phrasing of questions. No number originates there: figures appear only if you supplied them, and pass through verbatim. Any fact absent from the input is omitted, never inferred.

Four treatments, and what each one is telling you

Colour carries the finding, the way it did on a Sanborn sheet. A topic that turns out to need nothing still gets examined, still gets recorded, and still gets a colour.

  • Priority discussion

    The evidence is strong and what it points at is material. Start here.

  • Worth reviewing

    The evidence supports raising this in the coverage conversation. It is not a finding that anything is wrong.

  • Requires confirmation

    The evidence is real but incomplete. The record carries a question, not a conclusion.

  • Informational / appears aligned

    Examined, and nothing to raise. Recorded so you can show it was looked at.

A fifth outcome has no swatch: topics that do not apply are recorded as not applicable and retained in the examination record, rather than raised as observations to work. The file keeps everything.

1490 Dry Fork Bend · worked review · synthetic sample

  • Flood Insurance

    Priority discussion

    Not identified

    • Carrier's printed “coverages not purchased” list names flood Declarations page · Observed
    • Mapped special flood hazard area within about 900 feet of this location FEMA NFHL · Derived

    Flood is named on the carrier's own not-purchased list, and a mapped special flood hazard area lies close to this location. Worth raising in the coverage conversation.

    Evidence sufficiency · Confirmed

  • Wind Deductible

    Worth reviewing

    Present, review advisable · $7,000

    • Hail or damaging thunderstorm wind reported in this county in nine of the last ten years NOAA NCEI storm events · Observed
    • Windstorm and hail carries a deductible separate from all other perils Declarations page · Observed

    The property is in an area with meaningful historical wind exposure. Review wind coverage and deductible structure with the client.

    Evidence sufficiency · Confirmed

  • Water Damage Limits and Sublimits

    Worth reviewing

    Present, review advisable · $10,000

    • Prior water loss recorded, 2022 Claims report · Observed
    • No leak detection or automatic water shutoff reported Client reported · Reported

    A water damage sublimit is recorded and the claims report carries a prior water loss. Review the sublimit and any loss-history restriction with the client.

    Open question · Ask client

    Were plumbing repairs or replacement completed after the 2022 loss?

    Evidence sufficiency · Supported

  • Wildfire Exposure Review

    Requires confirmation

    Requires confirmation

    • Moderate wildfire hazard potential at this location USFS wildfire hazard potential · Observed
    • Two mapped fire perimeters within five miles in the last ten years NIFC fire perimeters · Observed

    Wildfire exposure may materially affect carrier eligibility or underwriting. Agent/carrier verification required.

    Open question · Ask client

    What is the current condition of the defensible space within the first five feet of the structure?

    Evidence sufficiency · Preliminary

  • Protective-Device Provisions

    Requires confirmation

    Requires confirmation

    • Alarm system recorded on the declarations page Declarations page · Observed
    • Smoke and carbon-monoxide detection recorded Client reported · Reported

    This protective system may qualify for a carrier-specific discount. Agent verification recommended.

    Open question · Ask client

    Is the alarm centrally monitored for both fire and burglary?

    Evidence sufficiency · Preliminary

  • Extended Replacement Cost

    Informational / appears aligned

    Present, appears aligned · $420,000

    • Dwelling recorded as 2,160 sq ft, built 1998 Parker CAD · Observed
    • Agent's replacement-cost estimate recorded at $389,400 Agent estimator · Observed
    • Estimate falls within the recorded combined limit Limit comparison · Derived

    The agent's replacement-cost estimate falls within the recorded combined limit. Appears aligned.

    Evidence sufficiency · Confirmed

Synthetic sample. Relevance, coverage state, classification and the sufficiency band are produced by the deterministic pass, never by the model.

Reconstructable months later

The rules version is recorded on every analysis, so an agency that changes a provision next month does not rewrite what was observed last month. Analyses are append-only — the report generated in March keeps reflecting the March analysis. Dismissals are retained with the reason they were dismissed.

That record is internal. It holds the adjudicated facts with their provenance, every observation with your disposition on it, the question log with its resolutions, and a provenance appendix — so that an underinsurance claim finds a file rather than a hole.

Observation recordWorth reviewing
Coverage topic
Other Structures
Coverage state
Present, review advisable
Recorded limit
$38,500Entered by agent from declarations
Classification
Worth reviewing
Evidence sufficiency
Supported
Evidence
  • Parcel carries two detached improvements Parker CAD · Observed
  • Larger structure recorded as a 1,440 sq ft shop building, 2016 Parker CAD · Observed
  • Detached shop appears in listing photography Listing history · Inferred
Open question · Ask client
Is the detached shop heated, and does any heat-producing work take place in it?
Agent disposition
Pending
Client report
Not approved

Synthetic sample record

Fourteen sections. Every coverage topic, every review — including the ones that turn out not to apply.

At the end of a review an agent should be able to say: I have reviewed the property itself, the surrounding area, its known history, its major systems, its important exposures, its protective measures, and the relevant insurance considerations.

  1. Review Overview

    Where the review stands

  2. Client & Property

    Identity and address

  3. Property Characteristics

    Adjudicate prefilled facts

  4. Systems & Utilities

    Ages no record carries

  5. Structures & Activities

    Outbuildings and what happens in them

  6. Area & Hazard Profile

    Assembled from the public record

  7. Claims & Property History

    Prior losses and their follow-up

  8. Protective Measures

    Devices, monitoring, response distance

  9. Replacement Cost

    The agent's own figures

  10. Policy & Coverage Snapshot

    Entered or extracted

  11. Risk & Coverage Review

    Every coverage topic, classified
    Examination record · Hurricane and Named-Storm Deductible · not applicable · retained, not raised — Property sits roughly 300 miles from the nearest Gulf shoreline · Distance to coast · Derived

  12. Questions / Missing Information

    Routed to whoever can answer

  13. Agent Notes

    Kept visibly separate

  14. Client Report

    Built only from what you approved

With no policy on file, every topic’s coverage state is unknown and the review reports what the property justifies discussing without asserting what is absent. Observations land as worth reviewing with an open question attached, rather than as findings of missing coverage. A declarations page sharpens the review. It never gates it.

Start a review

Priced against the hour it takes by hand

A thorough review done by hand means assembling one picture from five systems. That is what a seat is priced against. Principals tend to buy the second thing too — a documented process, with your disposition recorded on every observation and a versioned report behind it.

Solo

Trial

entry / trial

1 seat

Up to 50 reviews per month

  • Full review workflow, fourteen sections
  • Automated area and property enrichment
  • Manual entry and document upload
  • BeInsured-branded client report
  • Master rules library, read only
Start a review

Agency

$79

per seat / month

Up to 10 seats

Up to 100 reviews per seat, per month

  • Agency-branded client reports with agency and agent attribution
  • Agency-maintained carrier list, policy types and provisions
  • Multi-agent client and review assignment
  • Report version history
  • E&O export — the internal review record
Start a review

Brokerage

$149

per seat / month

Unlimited seats

Unlimited reviews

  • Custom rules layer over the master library
  • Additional local-service categories
  • Priority support
Start a review
Seats multiplied by the allowance forms one pool the whole agency draws on. A failed analysis consumes nothing.

What this does, and what it deliberately does not

Where does the data come from?
Parcel and county appraisal records, building permits, FEMA flood mapping, NOAA storm events, USFS wildfire hazard potential, USGS earthquake and elevation, grid reliability, and the other public federal and county sources. Every fact keeps its source and its status — observed, inferred, conflicted, or unknown — and you see both on the observation that used it.
What does it deliberately not do?
It does not quote or bind insurance, file an application, replace carrier underwriting, replace an inspection, replace a replacement-cost estimator, predict claims, calculate premiums, optimize deductibles, determine exact coverage limits, or guarantee discounts or carrier eligibility. It informs, flags, explains, and prompts your review. Where a mitigation might matter it says the carrier may recognize it and that you should verify it for this policy — never that a discount applies.
Does it work without a policy on file?
Yes, and that is the design. With no snapshot, every topic's coverage state is unknown and the review reports what the property justifies discussing without asserting what is absent. Observations land as worth reviewing with an open question attached, rather than as findings of missing coverage. A declarations page sharpens the review; it never gates it.
What do I have if a file is questioned later?
The internal review record: adjudicated facts with their provenance and dates, every observation with your disposition and the reason for it, the question log with its resolutions, and a provenance appendix. Analyses are append-only and the rules version is recorded on each, so what was observed in March still reads as it did in March. It is never shared with a client.
What can my client do after the report?
The client report can close with an invitation to keep monitoring the home through BePrepared Solutions, which keeps watch on the conditions around a property and lets the household know when something changes. It appears only when you or your agency have entered a BePrepared code. The code is printed for your client to type, so a household that signs up is connected back to you, and nothing on the report tracks your client.

See more. Miss less.

An address is enough to open a review. Everything else — the declarations page, the client’s answers, your own judgement — sharpens it from there.

Start a review