The property report is the heart of CoverGuard. It "leads with the answer" — you learn the risk, cost, carriers, and value impact before you scroll.
Who this is for: everyone; the panels you see adapt to your role. Where: open any property from Search, Shop by budget, saved properties, or a report link. Standalone page: /properties/:id. The in-app modal shows the same content in the same order.
The answer-first block (top of the report)
You get the decision in this order, before any deep sections:
- Overall risk + cost to insure — a headline risk score and the modeled cost to
insure, broken down by peril (flood / wind / fire / earthquake) as premium bars that reconcile to the estimated annual total. Crime has no coverage line, so it appears as a footnote.
- Which carriers are binding — the top carriers, binding-first / cheapest-first,
with indicative premiums, a Bind-Path signal and market condition in the header, and a "Show all" to expand. Click a carrier to drill into its coverage parts (A–F + peril lines), bundle offers, and headline binding terms.
- Risk-adjusted valuation — a navy hero showing market and assessed value, then a
waterfall of adjustments: physical hazard, bindability (an uncapped liquidity discount when a property is effectively unplaceable), capitalized excess premium, and a small quality-premium upside, with a holistic confidence read.
A sticky Contents rail (desktop) lets you jump between sections.
The deep sections (below the answer)
- Full risk profile — per-peril scores and narratives with state context, sourced from
FEMA, USGS, Cal Fire, NOAA, FBI, USDA, Esri, and more (every source is cited).
- Per-peril detail panels — flood (FEMA NFHL zone, BFE, SFHA), wildfire (FHSZ, WUI,
burn probability, drought), wind/hurricane (ASCE 7 wind speed, surge, hurricane tracks), earthquake (spectral acceleration, landslide), crime.
- Insurance cost estimate — premiums by coverage type with confidence.
- Insurability assessment — difficulty level, potential issues, recommended actions.
- Mitigation — actions (roof, vents, defensible space) with modeled impact.
- Property details & photos — street/aerial imagery, tax history, sale history, owner
info, building details, neighborhood amenities, walkability.
- Map, checklists, and quotes.
Which panels you see depends on your role — buyers get a visual, neighborhood-flavored set; agents/lenders/brokers get everything.
Freshness & refresh
Reports are saved snapshots served straight from the database when fresh. On view, CoverGuard auto-refreshes if the snapshot is stale (past its AI-determined staleness horizon) or the valuation model has been superseded. A freshness bar shows when it was generated. To force a rebuild from fresh data, use the Refresh action.
What's real vs. modeled
Look for the "Modeled estimate" banner. Carrier writing status, appetite, premiums, and per-carrier coverage detail are currently modeled from the carrier's durable facts and market conditions unless a real feed/admin-set value overrides them. That's honest labeling — treat the numbers as decision support, and confirm final terms with the carrier.
Tips
- Ask the Advisor about anything on the page — it knows the property you're viewing, so
you can ask "is this a hard market to place?" without leaving the report.
- The Contents rail (desktop) is the fastest way to jump to the peril you care about.
Troubleshooting
- A panel is missing → it may be off for your role, or the upstream data source had no
data for that location (e.g. surge zones only exist coastally). See Search & reports.
- No carriers → genuinely hard market, or risk still computing. Read the insurability
note and re-check shortly.
- Report looks stale → hit Refresh to rebuild from fresh data.
Do this next
Turn the answer into action — save the property, or take the next step toward binding.