Priya Nair · 118 Marshall Street
Record your policy so Goodstander can remind you at renewal and pre-fill the broker submission. Not shared with anyone.
The risk-management record an underwriter wants — maintenance responsiveness, statutory currency, documentation depth, and your documented controls — in carrier language, assembled from your records. What a paid loss-control inspection produces, on demand.
Freeze a claims-defense packet the moment an incident occurs — the trailing-12-month maintenance history, compliance record, and communications, hash-stamped and shareable to your adjuster before anything drifts. Protecting claim severity protects your premium.
Readiness for this property
11%
4 of 36 applicable items documented
Building & systems
0/7
The core property rate drivers — roof, electrical, plumbing, heat.
Replacement date + contractor invoice. Roofs under ~15–20 yrs earn replacement-cost settlement instead of actual-cash-value.
No knob-and-tube, aluminum branch wiring, or Federal Pacific/Zinsco panels; 100–200A breakers.
No polybutylene or galvanized supply lines; no active leaks.
Under ~10–12 years old — a top water-damage frequency driver.
Central heat, professionally serviced; oil-tank age/condition documented.
Sump pump + battery backup, backwater valve, or automatic leak-detection/shutoff.
Dated updates to roof/electrical/plumbing/HVAC lower the effective rating age.
Fire & life safety
1/7
Detection, suppression, egress, and fire-protection class.
Detectors in every unit and common area. MA requires CO (Nicole's Law).
Serviced extinguishers in common areas / units.
A monitored sprinkler system — a large credit for multifamily.
Central-station monitored fire alarm earns a protective-device credit.
Two means of egress, clear stairwells, current fire-dept inspection.
Hydrant within ~1,000 ft and a station within ~5 mi (ISO PPC).
No prior fire, or documented remediation.
Security & occupancy
1/4
Theft/vandalism controls; vacancy is a top surcharge trigger.
Deadbolts and quality locks, re-keyed between tenancies.
Central-station monitored intrusion alarm earns a credit.
Exterior lighting and common-area cameras.
Vacancy is a top surcharge/decline trigger; occupancy is on record.
Liability controls
0/7
The long-tail exposures — lead, slips, pools, dogs, tenant coverage.
Pre-1978 units: Letter of Full Compliance or Interim Control (MA Lead Law).
Documented removal protocol/vendor (MA duty since Papadopoulos, 2010).
Pool fenced with self-latching gate; no trampolines or diving boards.
A documented pet policy in the lease; note any restricted breeds.
Code-compliant handrails; sound decks and stairs.
Tenants carry renters insurance naming you as additional insured.
No active mold or asbestos; any prior remediation documented.
Operations & management
1/6
The professional-operator signals underwriters reward.
A signed lease (vs. a handshake) signals a professional, lower-risk operation.
Credit, background, eviction, and income verification on record.
A timestamped repair log — the best proxy for a well-run building.
Move-in/out statement-of-condition reports on file.
Clean sanitary-code / habitability record (105 CMR 410).
The policy names the entity that holds the deed (LLC/trust).
Claims & coverage
1/5
Loss history and the policy structure that lowers premium.
A clean 5-year loss run (from your agent) — the #1 lever after roof.
No lapses in prior coverage.
Insured to accurate replacement cost — under-insuring triggers a coinsurance penalty at claim time.
Deductible set as high as you can comfortably absorb.
Multiple properties on one schedule earn program pricing.
This is a read-only demo. Sign in to your workspace to track insurance readiness for your own properties.
Not insurance advice. Documenting these factors supports underwriting and moves an account into better programs; it does not itself set the rate. Items marked “from your records” are pulled from what you already track in Goodstander — mark one N/A if it doesn't apply to this property.