The property report is the heart of CoverGuard. It "leads with the answer" — you learn the risk, cost, carriers, and value impact before you scroll.
Who this is for: everyone; the panels you see adapt to your role. Where: open any property from Search, Shop by budget, saved properties, or a report link. Standalone page: /properties/:id. The in-app modal shows the same content in the same order.
The answer-first block (top of the report)
The report opens with three headline tiles — the whole decision at a glance:
- Overall risk — a headline risk score, with the leading perils called out.
- Cost to insure — the modeled annual premium, with its confidence.
- Risk-adjusted value — the risk-adjusted value with its grade and how far it sits
above or below market.
Then, before any deep sections, you get:
- Cost to insure by peril — the premium broken down by peril (flood / wind / fire /
earthquake) as bars that reconcile to the estimated annual total. A peril earns its own line once its hazard is moderate or higher — so, for example, a moderate-wildfire California home shows a fire line, not just earthquake; lower-hazard perils stay folded into the base homeowners policy. A peril that typically needs a separate or required policy — flood in a special flood hazard area, hurricane wind, or high-wildfire fire — is marked with a Required badge next to its line. Crime has no coverage line, so it appears as a footnote.
- Which carriers are binding — the top carriers, binding-first / cheapest-first,
with indicative premiums, a Bind-Path signal and market condition in the header, and a "Show all" to expand. Click a carrier to drill into its coverage parts (A–F + peril lines), bundle offers, and headline binding terms.
All three headline tiles are interactive. Select Overall risk or Cost to insure to jump straight to its detail section further down the report. Select Risk-adjusted value to open a details window with the navy valuation hero — market and assessed value alongside the risk-adjusted figure — and a waterfall of the adjustments behind it: physical hazard, bindability (an uncapped liquidity discount when a property is effectively unplaceable), capitalized excess premium, and a small quality-premium upside, with a holistic confidence read.
A sticky Contents rail (desktop) — on both the standalone page and the in-app report modal — lets you jump between sections.
What's free vs. what needs a plan: the overall risk score, the full risk profile, and the insurability verdict are free on any property — no account required. The modeled premium, the carrier slate, and the risk-adjusted value are part of a paid plan (Individual and up); on the free tier those panels are held back while the report still leads with the free risk answer. Upgrade from any locked panel or from Pricing.
The deep sections (below the answer)
- Full risk profile — per-peril scores and narratives with state context, sourced from
FEMA, USGS, Cal Fire, NOAA, FBI, USDA, Esri, and more (every source is cited).
- Per-peril detail panels — flood (FEMA NFHL zone, BFE, SFHA), wildfire (FHSZ, WUI,
burn probability, drought), wind/hurricane (ASCE 7 wind speed, surge, hurricane tracks), earthquake (spectral acceleration, landslide), crime. Where measured terrain data is available, the flood panel can also note local relief — when a home sits lower than the ground immediately around it, water tends to pool there even outside a mapped flood zone, so the flood read is nudged up to reflect that. It's a modeled sharpening of the flood score, not a change to your FEMA flood zone.
- Insurance cost estimate — premiums by coverage type with confidence.
- Insurability assessment — difficulty level, potential issues, recommended actions,
plus a confidence read and neighborhood context: when we've assessed enough nearby homes, the report notes the typical insurability difficulty in that ZIP, and if carriers have recently pulled back in the area you'll see a "confirm current availability" heads-up. Neighborhood history only adds context and sets the confidence chip — it never changes the property's own verdict; only a recent, serious carrier exit in the ZIP can nudge the difficulty up.
- Mitigation — actions (roof, vents, defensible space) with modeled impact.
- Property details & photos — street/aerial imagery, tax history, sale history, owner
info, building details, neighborhood amenities, walkability.
- Map, checklists, and quotes. The map carries the same hazard-layer toggles as
the search map. To zoom it, hold Ctrl (⌘ on a Mac) while you scroll, or pinch with two fingers on a touchscreen — a plain scroll or one-finger swipe moves the report, so the map never traps you mid-scroll.
Which panels you see depends on your role — buyers get a visual, neighborhood-flavored set; agents/lenders/brokers get everything.
Freshness & refresh
Reports are saved snapshots served straight from the database when fresh. On view, CoverGuard auto-refreshes if the snapshot is stale (past its AI-determined staleness horizon) or the valuation model has been superseded. A freshness bar shows when it was generated. To force a rebuild from fresh data, use the Refresh action.
What's real vs. modeled
Look for the "Modeled estimate" banner. Carrier writing status, appetite, premiums, and per-carrier coverage detail are currently modeled from the carrier's durable facts and market conditions unless a real feed/admin-set value overrides them. That's honest labeling — treat the numbers as decision support, and confirm final terms with the carrier.
Tips
- Ask the Advisor about anything on the page — it knows the property you're viewing, so
you can ask "is this a hard market to place?" without leaving the report.
- The Contents rail (desktop) is the fastest way to jump to the section you care about —
it reaches the whole report, including Quotes, Checklist and Notes at the end.
- Print gives you the full report, not just what's on screen — every section paginates
across pages, and the navigation chrome is left off the paper.
- Comparing on a phone? The two reports stack one above the other instead of splitting
the screen, so each stays readable.
Troubleshooting
- A panel is missing → it may be off for your role, or the upstream data source had no
data for that location (e.g. surge zones only exist coastally). See Search & reports.
- No carriers → genuinely hard market, or risk still computing. Read the insurability
note and re-check shortly.
- Report looks stale → hit Refresh to rebuild from fresh data.
- The map won't zoom when you scroll → that's deliberate. Hold Ctrl (⌘ on a Mac)
and scroll, or pinch with two fingers; a plain scroll moves the report so the map can't trap you partway down.
Do this next
Turn the answer into action — save the property, or take the next step toward binding.