For carriers & underwriting teams

Underwrite what’s actually there.

Your schedule has addresses. InsureMEP gives you the operating story inside them: which buildings can contain water, which can’t, and the evidence behind every answer — before you send an engineer.

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Read the record on CriticalAsset →

What changes for underwriting

Evidence, not assurances.

Desk review before the site visitSee the controls, gaps and open work on a building before deciding where engineering time goes.
Cited, dated, checkedEvery statement resolves to a document, asset or work order. Scores are recomputed deterministically; invented references are rejected.
Doubt is shown, not hiddenVerified, partially verified and not evidenced are reported separately. A sparse file scores honestly low.
Improvement you can seeCorrective actions closed with proof between one renewal and the next.

ExampleRevision 7Provisional

Water Containment Report Illustrative office tower 22 floors · illustrative example, not a customer

CARS43Bprovisional

Provisional. 25% of the score’s weight rests on categories with nothing on record. CARS gives no credit for what isn’t on record — the score moves when evidence is captured.

01 · At a glance

CARS · CriticalAsset Risk Score43/100 — Brecomputed by the guard

Requirements met4 of 5missing: plumbing plan

Evidence behind the 11 categories 4 evidenced · 4 partial · 3 with nothing on record

Open defects (evidenced)1 immediate 2 near termplus 1 hypothesis to verify

Corrective capex$18,650model estimate

Citations resolving12 of 12every one opens a record

Evidence sufficiency (MAX)5 sufficient 4 insufficient

02 · CARS categories

Asset graph completeness12.5%72partial · 96

Fed-from / fed-to quality12.5%64evidenced · 41

Isolation control12.5%58partial · 15

Detection coverage10%42evidenced · 18

Power dependency control7.5%76evidenced · 9

Maintenance obligation execution10%0nothing on record

SOP / curtailment readiness10%30partial · 2

Recovery & restoration readiness10%0nothing on record

Physical access readiness5%55partial · 6

Tabletop / training proof5%0nothing on record

Time-series evidence quality5%61evidenced · 2,840

Overall100%43 B

Categories with nothing on record score zero until evidence is captured. Narratives without a citation are labelled as judgement, not fact.

03 · Single point of failure

Riser 2 sectional valveisolates floors 12–20 · computed from the building’s own valve-to-line map, never taken from the model

04 · Open defects

Immediate

No named after-hours access to the B1 mechanical roomEvidenced: access register lists no keyholder

Near term

No flow meter or night-flow detection on the domestic mainEvidenced: the asset register holds no flow meter

Near term

Riser 2 sectional valve: no operability evidenceEvidenced: no exercise record in the valve log

Hypothesis

Abandoned-in-place piping on level 3Not scored — verify first. A defect moves the score only when the record evidences it.

05 · Corrective actions

43 today → ~61 in 120 days → 78 in 365 days (model projection)

ImmediateName and post an after-hours keyholder for the B1 mechanical room30 days$900

Near termInstall a flow meter on the domestic main; 30-day night-flow baseline and anomaly alerts120 days$9,800

Near termExercise riser 2 sectional valve; log operability evidence120 days$1,450

ProgrammaticQuarterly tabletop covering the undrilled water scenarios365 days$6,500

06 · Validation

47 → 43 BGuard verdict: corrected. The model claimed 47; the trained weights give 43. 43 is reported. Two sentences calling obligations “overdue” were withheld — the record holds no completion data, so they are unevidenced, not overdue.

CLEO composes the assessment · MAX judges whether cited evidence supports each control · the guard recomputes the score and checks every citation. Not a certification, and never an instruction to operate equipment. Every action lands for human review.

Carriers as customers

License the evidence. Read it at portfolio scale.

Portfolio loss-control view

Water Containment Reports across the buildings on a schedule — ranked by score, single points of failure and open immediate defects.

Programmatic access

Structured, schema-validated report data your underwriting and loss-control systems can ingest directly.

Insured-shared reports

When a policyholder shares a report with you, reading it costs you nothing. The insured owns the data and decides who sees it.

InsureMEP provides evidence and assessment; it does not set terms, certify conformity or promise outcomes. The carrier decides.

See the building behind the address.

Let’s look at a sample report and how your team would read it at scale.

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