For Insurance Companies
For Insurance Companies
Vacant properties are among the highest-risk assets in any insurance portfolio. Without consistent oversight, a single unmonitored property can generate claims that dwarf the cost of years of professional monitoring. Boarded to Built gives insurers and their policyholders a proactive, documented risk mitigation partner—reducing exposure before a claim ever happens.
Why Vacant Properties Are Your Highest-Risk Exposure
Vacant properties are disproportionately targeted for arson and far more likely to sustain undetected fire damage. Without regular inspections, electrical hazards and squatter activity go unnoticed until a total loss event occurs.
A broken pipe or roof failure in a vacant property can cause catastrophic water damage over weeks or months before anyone notices. Mold remediation alone can exceed the original property value in severe cases.
Squatters, trespassers, and vandals create slip-and-fall, injury, and property damage claims that are difficult to contest without documented evidence of the property’s condition and security status.
Copper theft, broken windows, and structural vandalism compound quickly. Each incident increases the cost of the next claim—and reduces the property’s insurability over time.
When a claim is filed on a vacant property, the absence of inspection records makes it nearly impossible to establish pre-loss condition or demonstrate due diligence.
Monitored vs. Unmonitored: The Risk Difference
| Risk Factor | Unmonitored Property | Boarded to Built Monitored |
|---|---|---|
| Fire & arson detection | Discovered after total loss | Early indicators flagged at inspection |
| Water intrusion & mold | Weeks or months undetected | Identified and reported at each visit |
| Unauthorized entry | No record of entry or condition | Documented board integrity every visit |
| Vandalism & theft | Discovered after significant damage | Flagged early, mitigation deployed fast |
| Pre-loss condition documentation | None available | Full photo record at every inspection |
| Code & compliance status | Unknown until citation issued | Tracked and reported proactively |
| Claim contestability | Difficult without documentation | Supported by timestamped inspection record |
What Boarded to Built Provides
📷 Scheduled Physical Inspections
Our field technicians conduct weekly or monthly exterior inspections—documenting board integrity, entry point security, visible water intrusion indicators, environmental risks, and surrounding conditions. Every visit produces a structured photo report.
🔧 Rapid Securing & Board-Up Services
When a property is unsecured or compromised, we respond fast. Commercial-grade board-ups, entry point securing, and Beautiboards installation reduce unauthorized access—documented before and after for your records.
💧 Environmental & Moisture Risk Monitoring
We monitor for visible signs of water intrusion, moisture accumulation, mold risk conditions, and air quality indicators—flagging issues before they become catastrophic losses.
📋 Claim-Ready Documentation
Every inspection generates a timestamped, photo-documented report with condition ratings and issue flags—establishing pre-loss condition and providing the evidentiary foundation needed to contest fraudulent or inflated claims.
⚠ Issue Alerts & Escalation
When our field technicians identify an urgent risk, we flag it immediately and recommend next steps. You and your policyholder are notified before the situation escalates into a claim.
📈 Portfolio-Level Risk Reporting
For insurers managing multiple vacant property policies, we provide portfolio-level risk summaries—identifying your highest-exposure assets and tracking condition trends over time.
The Pilot Program — Full Portfolio Risk Assessment in 90 Days
For insurers with significant vacant property exposure, our Pilot Program delivers a full risk assessment across your portfolio in 90 days—giving your underwriting team the visibility to price risk accurately and your claims team the documentation to manage it effectively.
How We Work With Insurers
As a policyholder requirement or recommendation
Insurers can require or recommend Boarded to Built monitoring as a condition of vacant property coverage—reducing their own exposure while giving policyholders a clear, affordable path to compliance.
As a preferred vendor for claims investigation support
When a claim is filed on a vacant property, our inspection history provides an independent, documented record of the property’s condition leading up to the loss—supporting faster, more accurate claims resolution.
As a portfolio risk management partner
Our Pilot Program delivers a full risk assessment across up to 150 properties in 90 days—giving your underwriting team the visibility to price risk accurately.
Reduce Your Vacant Property Exposure Today
Enroll in a Pilot Program or start monitoring individual policyholder properties. A senior team member will contact you within one business day.
Enroll in Pilot 150 Start Monthly Monitoring Schedule a Call❓ Have Questions?
Visit our Frequently Asked Questions page or contact us directly.
This Isn't a Report. It's Verified Intelligence.
Anyone can generate a spreadsheet.
That's not the problem.
The problem is:
- No one actually knows what's happening on the ground
- No one is consistently monitoring these assets
- No one is turning that information into a clear strategy
That's where Boarded to Built is different.
Every property in the Pilot 150 program includes:
- Real-world inspection and photo documentation
- Human evaluation of condition and risk
- A clear recommendation: rehab, hold, or demolish
- Capital analysis showing what can be financed and what is required
We combine:
- Field execution
- Data and reporting
- Development and capital expertise
So you don't just get information. You get decisions.