Special risk report app
Capture thatch and heritage property surveys on a device that keeps working with no signal, then produce the special risk report from your own Word template — with the prose drafted against your own standards library.
Built for specialty insurers running teams of roughly 3–50 inspectors.
The loop you are running today
Assessors and adjusters are measured on cycle time, and the bottleneck is never the site visit — it is the evening spent turning photos and notes into a report the insurer will accept without a query. The scope, the causation narrative and the policy response all have to agree with each other, every time.
The tell is simple: you are running a forms app plus Word plus a spreadsheet plus email, and re-typing the same findings into all four to get one special risk report out the door.
How the special risk report gets built
Capture it once, offline
Your firm builds the thatch and heritage property survey form in-app — 25 field types, nesting repeatable groups, compound AND/OR visibility rules, reusable modules and calculated fields. Field capture works with no signal: jobs, forms, photos, notes and audio all queue in an idempotent outbox that only clears once the server confirms receipt.
Link it to your buildings and rooms
Enter buildings and rooms once, as a register. Every one of your damage observations and scope lines then points at a stored row rather than a name somebody typed — and the links survive a disconnected device.
Render your own template
The special risk report renders into the Word template you already use — your letterhead, your section order, your clause library — with conditionals, loops over repeats, composable sub-templates and photo grids.
Drafted against your standards, not a generic model
You upload your own reference library — PDF, Word, Excel, CSV — and it is indexed for retrieval. A {{ai: …}} marker placed inside your Word template runs Claude at render time and drops the drafted prose into that exact spot.
Where two sources conflict, the retrieved passages are labelled with their authority and the model is instructed to follow the higher one and state what it overrode. A document you mark superseded is excluded outright.
What a insurance firm typically loads
- Insurer scopes of work and reporting templates
- Policy wordings and general conditions for the schemes you service
- IICRC S500 and S520 for water and mould claims
- Your own causation and scoping methodology
- Panel service level agreements and reporting deadlines
Reviewed before it leaves
You write the review framework: a checklist of what a special risk report must contain, plus the prose standards you would mark a junior against. Link it to a report template and it runs every time that template renders. Each finding comes back graded info, minor or major, quoting the sentence at fault, and a person accepts or dismisses every one.
Because the structured submission behind the report is held too, the review is a comparison rather than a proofread: The report says the escape of water was confined to the ground floor; the scope carries three first-floor rooms.
Checks a insurance framework usually carries
- Cause, extent and policy response agree with one another
- Every scope line traces back to a damage that was actually observed
- The reserve is supported by the scope rather than asserted
- Every section the insurer’s template requires is present and populated
What this is not
Worth knowing before you book a demo, so neither of us wastes the half hour.
- Not field-service dispatch. No timesheets, no parts, no inventory. Scheduling exists to get an inspector to a site.
- No signature capture. If your deliverable has to carry a signed sign-off on the artefact itself, this is not the tool yet.
- Field capture is what works offline — jobs, forms, photos, notes and audio. Reports, chat, scheduling and the inbox need a connection.
- No client portal. Reports go out as a file or a password-protected link.
Other insurance work we cover
- Mould remediation verificationClearance verification report
- Pre-insurance risk surveysRisk survey report
- Storm damage make-safe assessmentsMake-safe scope report
- Workers comp workplace visitsWorkplace visit report
- Burst pipe water damage scopesWater damage scope
- Business interruption verificationsBI verification report
- Contents claim inventoriesContents schedule report
- Fine art condition reportsArtwork condition report
Other disciplines
Rebuild your special risk report in SurveyThanks
Bring the Word template you already send clients. If you are coming off another field-forms tool, a filled report can be uploaded, read field by field, and re-rendered into your template.