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Fix a search that finds nothing, a Record panel that's missing or looks stale, and understand what the "Modeled estimate" basis and big valuation swings actually mean.
How-to guides: Property search, Reading a CoverGuard Record, Saving & comparing.
Search
"I can't find an address." A street address with city and state is enough — a ZIP is optional, and full state names ("Austin, Texas") work as well as two-letter codes. Picking an autocomplete suggestion is the surest route. Very new construction or non-standard parcels may not resolve — try the ZIP, the parcel number, or a nearby known address.
"A tool's address box finds nothing for an address I know is real." The address boxes inside the professional tools, Compare and Share only offer homes CoverGuard has already looked up, because each one needs that home's Record to work from. If you see "No properties found" or "No matches", first try typing just the street (like "42 Elm St") without the city, because these boxes match the street, city or ZIP one at a time. If it still doesn't appear, the address hasn't been searched yet: search it once from the main search bar, which adds it, then come back and pick it. That search counts toward your plan's search allowance like any other. If the box says address search is unavailable, that's a problem on our side, so wait a moment and try again.
"It says the search couldn't be completed." That means the lookup itself failed, not that your address was wrong. Searching by ZIP code often works when an address doesn't, because a ZIP can be answered from properties already indexed. If an address simply isn't in the data you'll get an ordinary "No properties found" result instead, with suggestions for broadening the search.
"My search returned nothing / a tiny list."
- A natural-language query with hard risk filters only returns properties CoverGuard has already assessed. If you see "filters partially applied," some candidates lack cached risk and were excluded — loosen the filter or re-run shortly as data warms.
- For **Shop by budget, a short list usually means thin inventory** for that area (the pool is only as deep as previously-searched properties there) or budgets set too tight. Widen the area or raise a ceiling.
"I used up my free search." The free tier allows 1 property search lifetime (and Shop-by-budget is metered the same way; it's refunded if the search errors). Upgrade to search more. See Billing & plans.
"Bulk upload rejected my CSV." Per-upload row caps are tier-aware — Free/Starter 25, Pro 50, Team 100 (absolute max 100). A ROW_CAP_EXCEEDED error means your file exceeds your tier's cap; split it or upgrade. Bulk screening is itself a gated feature.
Records
"The Record says 'Building this Record'." Nobody has opened this Record recently, so we're gathering its data for the first time — that can take up to about a minute. You don't need to do anything: the page refreshes itself when it's ready. If it keeps building after a few tries, it tells you it's slow and gives you a Try again button.
"The Record says 'We can't score this home yet' (or 'Not yet assessed')." We couldn't gather enough of the picture to give this home a CoverGuard Score. Rather than show you costs and next steps that depend on a score we don't have, the Record holds them back and tells you so in one place at the top. Professionals also see which parts didn't resolve. We try again the next time the Record is opened after a short wait — the card tells you when. If the card says we'll email you, you don't need to keep checking: we'll email you as soon as the Record has its answer. It says so when you're signed in as a buyer or seller and your Record ready emails are on (Account → Notifications); otherwise it tells you when to check back. Nothing you did caused it.
"The score seems low for a home with mild hazards." What carriers will do sets a ceiling on the score. If only a state plan or last-resort insurer will write the home, it stops at 4 out of 10; if carriers will write it only on conditions, at 5 (or 7 when every condition is paperwork). The hazard reading underneath may be better than that, and the Record's coverage section says which carriers are holding it back. Clearing the conditions, or a carrier changing its appetite, lifts the ceiling the next time the Record refreshes.
"The score says 'Carrier availability not yet confirmed'." Too few of the carriers we checked have told us whether they'd write this home, so the score is the hazard picture alone. It isn't a problem with the home. Treat the number as a starting point and confirm with a licensed agent or a quote request before you rely on it.
"There's no score anywhere on the Record, even in the Insurability section." Every carrier we checked has declined this property. That refusal is the finding, so we don't publish a number that could read as reassurance. The coverage section shows the alternatives, such as surplus lines or a state program.
"Placement difficulty says 'Conditions need verification'." We couldn't check which inspections, certificates or repairs this home may need before cover is placed. Rather than assume none, we count binding friction and time to bind at their least favourable reading, so the placement score may be lower than the home deserves, and we don't state a number of days. It usually clears the next time the Record refreshes. If it doesn't, ask our brokerage team which conditions apply.
"The Record says it's temporarily unavailable." Our service didn't answer when the page loaded. That's on our side. Use Try again, or come back in a few minutes. This is never how a paywall looks — a Record you haven't unlocked tells you what it contains and how to unlock it instead.
"The Record says it isn't available to you right now." The service answered, but not for this session or account — usually because you've been signed out. Sign in again; if it persists, check that your account has access to this Record.
"No carriers are showing for a property." Either the market is genuinely hard to place (read the insurability note and the Bind-Path signal), or the risk profile is still computing on a cold lookup. Re-check in a moment. Carrier availability is derived from the risk profile, so it needs that to finish.
"A detail panel is missing." Two common reasons:
- Role visibility — buyers see a curated panel set; some panels only show for agents/lenders/brokers.
- No upstream data for that location — e.g. hurricane surge zones exist only on the coast, Cal Fire FHSZ is California-only. Crime is usually an estimate from local socioeconomic indicators rather than reported crime; the panel is absent only when neither reported rates nor that estimate are available for the area. An absent panel there means "no data for this spot," not a bug.
"Premiums / carriers say 'Modeled estimate'." Expected. Carrier writing status, appetite, premiums, and per-carrier coverage detail are currently modeled from durable facts + market conditions unless a real feed overrides them. Use them to compare and shortlist; confirm final terms with the carrier. The banner is honest labeling, not an error.
"A score or hazard detail looks wrong for this property." Click Dispute this score underneath the insurability assessment, pick what looks off, and describe it — our team reviews every submission. Submitting a dispute doesn't change the score you're looking at; it starts a review. You can dispute the same property more than once if you spot something else later.
"The Record looks out of date." Records are saved snapshots that auto-refresh on view when stale or when the valuation model is superseded. To force a rebuild from fresh data, use Refresh (or ?refresh=true).
"Per-peril premium bars don't add up to the total." They reconcile to the estimated annual total with a "Base & fees" remainder line. Crime has no coverage line (it's a footnote), so it isn't in the bars.
"Valuation shows a big discount." When a property is effectively unplaceable, the valuation applies an uncapped liquidity discount — that's the model flagging real collateral/marketability risk, not a glitch.
Saving & comparing
"I can't add a 4th property to compare." The compare limit is 3 — deselect one first. The selection is stored on your device and can reset if you switch devices or clear site data.
"A saved property is gone." Saves are per-user; confirm the account. See Account & login.