Pre-loss & risk management
Protect your property before a loss happens
Unexpected disasters create costly setbacks. Proactive planning and strategic risk assessment help you minimize disruption and safeguard your assets.
Pre-loss services
How we help before a loss
Property owners, managers and investors know that insurance policies are complex. A pre-loss review makes sure your coverage is ready when you need it.
Asset Weather Impact Monitoring
Track weather events against your properties as they happen.
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Risk Management Services
Proactive planning and strategic risk assessment to minimize disruption.
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Why review your coverage before a loss
Most coverage problems are found after a loss, when it is too late to change the policy. A pre-loss review looks for issues while you can still fix them.
- Coverage gaps and exclusions that could leave part of a loss uncovered.
- Valuation basis, such as replacement cost versus actual cash value, and whether limits match current rebuilding costs.
- Deductibles and sublimits, including separate or percentage deductibles for wind, hail or named storms.
- Ordinance or law and business income coverage, which are often underinsured.
- Policy conditions, such as vacancy, protective safeguards and notice requirements, that can affect a claim.
- Documentation of the property’s condition, which gives you a baseline if a claim happens.
Pre-loss questions
When is the best time for a policy review?
Ahead of a renewal is the most useful time, since there is room to negotiate changes. Reviews are also worth doing after an acquisition, a renovation or a significant change in how a building is used.
Is pre-loss work only for large property portfolios?
No. Churches, schools, municipalities, hotels and single-building owners all benefit. The scope of the review scales with the property.
Does a pre-loss review replace my insurance broker?
No. We review and explain your coverage from the policyholder’s side, and you can take our findings to your broker to discuss changes.
This page is general information, not legal or insurance advice. What is covered depends on your specific policy and your state’s rules.
Don’t navigate your insurance claim alone
Talk with a Mission PLC public adjuster about your loss. The consultation is free.
