How-to: Sharing a pre-listing disclosure

Give a buyer's agent (or anyone) a signed, time-limited link to your property's risk and insurability disclosure — no CoverGuard account required to view it.

Who this is for: Home Sellers. Where: your Seller Disclosures page. Time: ~2 min.

Why this matters

Buyers and their agents want to know the risk and insurability story before they bid. Sharing a pre-listing disclosure up front builds trust, reduces surprises during due diligence, and can speed up the transaction. The recipient sees a clean summary — risk level, insurability status, estimated premium, and carrier availability — without needing to sign up for anything.

How to share a disclosure

1. First, generate a disclosure for your property. Open the Record and complete the seller disclosure flow (see Reading a CoverGuard Record for how to pull up a Record).
2. On your disclosure, click Share.
3. Optionally fill in:

• Recipient name and email — for your own tracking (the recipient isn't emailed automatically; you send the link yourself).
• Personal message — a note that appears at the top of the shared view.

4. Choose how long the link lasts: 7, 14, 30, 60, or 90 days (default is 30).
5. Click Create share link.
6. Copy the link and send it however you like — email, text, listing description, MLS remarks.

The recipient opens the link in any browser and sees your disclosure snapshot immediately.

What the recipient sees

A read-only summary of the property's risk and insurability, under the address of the property the disclosure was generated for. That address always comes from the disclosure itself, so a link can never show your disclosure under a different property's address.

• CoverGuard Score — the 1–10 figure where higher means easier to insure, the same number your Record leads with and the same one on your badge. If CoverGuard couldn't assess the property — or had too little measured hazard data to stand behind a score — it reads "Not yet assessed" instead of a number. It never shows a perfect score for a property nobody could assess. If every carrier checked declined the property, it says so ("Declined by every carrier checked") instead of a number. It shows a score exactly when your Record does, and says the same thing your Record says when it doesn't
• Overall risk level — the combined risk band (Low through Extreme)
• Insurability — how hard the property is to insure, from Clear through Unplaceable, the same words your Record uses. If CoverGuard couldn't assess the property, the disclosure says "Not assessed" once instead
• Estimated annual premium — the modeled cost to insure (labeled "Modeled estimate" — decision support, not a binding quote)
• Carrier availability — which carriers are writing policies for this type of property in this area. If the carrier market couldn't be checked when you generated the disclosure, it says "Not yet assessed" rather than "0 carriers"

The view is branded with CoverGuard's identity (not your personal branding — that's the Branded reports feature for professionals). No account is needed to view it.

Managing your shared links

From the disclosure page, you can see all your active shares:

• View count — how many times the link has been opened.
• Status — Active (link is live), Expired (past its time limit), or Revoked (you cancelled it).
• Revoke — click to cancel a link immediately. The recipient can no longer access it.

Tips

• Set a shorter expiry (7-14 days) for time-sensitive negotiations — it signals urgency and keeps stale data from circulating.
• Revoke immediately if circumstances change (e.g., you take the property off the market, or insurance conditions shift significantly).
• Include the link in your listing — adding it to the MLS remarks or listing description lets every interested buyer see the risk picture early.

Troubleshooting

• "The Share button isn't showing" → make sure you've generated a disclosure first. The Share option appears on a completed disclosure, not on a raw property search result.
• "The recipient says the link doesn't work" → check whether the link has expired or been revoked. If expired, create a fresh one.
• "The recipient was asked to sign in" → they shouldn't be: a share link opens without an account. Check they opened the exact share link you copied, rather than a link to your own Seller Disclosures page, which does need you to sign in.
• "It says the disclosure was generated for a different property" → the property you shared from and the disclosure don't match, so no link was created. Reopen the property you mean to share and click Share again.
• "I want to update the disclosure and re-share" → revoke the old link, regenerate the disclosure with current data, and create a new share link. Old links always show the snapshot from when they were created.

Do this next

Generate a disclosure for your property, share it with your listing agent or a prospective buyer, and watch the view count to see who's interested.

• Reading a CoverGuard Record — understand the full risk and insurability picture
• Branded reports & sharing — the professional version with your brokerage branding (agents, lenders, brokers)