Schedule of Values Cleaner
Upload a property SOV and find missing addresses, duplicate locations, weak occupancy data, invalid TIV values, and concentration risk.
| Country / territory | Locations | TIV | Share |
|---|---|---|---|
| United States | 2 | £16,800,000 | 51.7% |
| United Kingdom | 2 | £15,700,000 | 48.3% |
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Why SOV quality matters
A commercial property submission is only as strong as the schedule of values behind it. Underwriters use SOV data to understand location spread, total insured value, occupancy, construction, catastrophe exposure, and whether a risk is ready to quote.
What the cleaner looks for
The tool checks address completeness, duplicate locations, missing construction and occupancy fields, blank country or state details, invalid TIV values, and concentration risk. These are the practical issues that create underwriter questions and renewal delays.
Useful for London Market and US property submissions
London Market property placements and US commercial submissions often rely on spreadsheet SOVs. This cleaner is flexible enough for UK, EU, US, Australian, and multi-country schedules because it recognizes common column names rather than one rigid template.
Before and after example
A messy SOV might show total insured value but leave the address blank, repeat the same location twice, and miss occupancy or construction detail. The cleaner flags those gaps, summarizes concentration by country or territory, and lets you export a cleaned template so the schedule is easier to explain before it reaches an underwriter.
Templates and underwriter checks
Download a starter file from the insurance spreadsheet templates page, then review common SOV mistakes underwriters flag and why underwriters ask for construction and occupancy data.