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.

1. Choose how long the link lasts: 7, 14, 30, 60, or 90 days (default is 30).
2. Click Create share link.
3. 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:

• 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
• Overall risk level — the combined risk band (Low through Extreme)
• Insurability status — how easy or difficult it is to insure
• 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

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.
• "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)