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B2B property condition verification for insurance carriers
For Insurance Carriers

Condition is unknown until a claim is filed. That's the problem.

B2B gives insurance carriers weekly field-verified condition data, occupancy status, and risk scores on every covered vacant property — turning unknown exposure into documented, manageable risk.

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3×
Higher loss frequency on unmonitored vs. monitored vacant property
$47K
Average claim cost when squatter damage is discovered late
60 days
Typical vacancy clause trigger period in commercial policies
A–F
B2B standardized condition grading — every inspection, every property
Four Coverage Risks

What field intelligence eliminates from your vacant property book.

01

Vacancy clauses create silent coverage lapses

Most policies void at 30–60 days of vacancy. Without active monitoring, neither the carrier nor the insured knows when coverage technically lapsed — creating dispute exposure at claim time.

02

Condition unknown until the claim is filed

Carriers have no systematic way to know property condition between renewal and claim event. A fire, flood, or structural collapse can only be assessed after the loss — not before it.

03

Unauthorized occupancy drives claim severity

Squatter damage is frequently excluded under standard vacancy endorsements. Carriers often can't prove occupancy timing without a field record — creating direct litigation exposure.

04

Subrogation undermined by poor documentation

Without a dated field record showing property condition, pursuing subrogation against negligent third parties is nearly impossible. Pre-loss documentation is the key to post-loss recovery.

B2B field inspector at vacant property
$47K
average claim cost when squatter damage is discovered late
B2B field operations
B2B Insurance Advisory
"A carrier with a documented field-inspection program on its vacant book can reduce reserve requirements. That is a direct underwriting advantage."
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What B2B Provides

Four capabilities every vacant property carrier needs.

01

Pre-Loss Condition Certification

B2B provides weekly photo-documented condition reports, standardized A–F grading, and signed field certifications establishing a clear, dated baseline for every covered property.

02

Occupancy Verification Protocol

Our field inspectors verify authorized vs. unauthorized occupancy on a defined cadence — creating a timestamped record that resolves vacancy clause disputes and occupancy fraud at claim time.

03

Risk Score Integration

B2B's condition data is structured for carrier system integration. Weekly condition grades, squatter risk scores, and maintenance status can feed directly into your underwriting and claims platform.

04

Legally Admissible Documentation

Every B2B inspection generates GPS-timestamped, legally admissible documentation — organized for rapid deployment in subrogation proceedings when third-party liability exists.

B2B field condition verification
"Pre-loss documentation is the key to post-loss recovery."

Ready to bring field-verified condition data into your underwriting workflow?

B2B works directly with underwriters, claims teams, and risk managers to integrate field inspection data at the property level — matching your existing systems and reporting cadence.

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Begin the Conversation

Institutional clients deserve institutional responses.

Every inquiry is handled by a senior B2B team member — not a sales representative, not an automated response. We respond within one business day with a portfolio-specific briefing.

Sherman Oaks, CA · Baltimore, MD

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