Clean your SOV
Commercial Property Insurance Cost Stress Test
Property insurance can quietly change the economics of a building, portfolio, or operating business. Premium per square foot, deductible movement, catastrophe exposure, and declared values all affect the real cost of risk.
Metrics worth tracking
- Premium per square foot or per unit.
- Total insured value and replacement-cost adequacy.
- Deductible or wind/flood/hail deductible movement.
- Locations with weak construction, occupancy, protection, or address data.
- NOI pressure from premium increases and self-insured retentions.
Why SOV quality matters
A weak schedule of values makes property underwriting harder. Missing addresses, repeated locations, blank construction fields, unclear occupancy, and stale TIV figures can all lead to avoidable questions or conservative pricing.
Best ToolDox workflow
Use the Schedule of Values Cleaner, then score the full pack with the Insurance Submission Readiness Score.