Property Insurance Requirements Checker
Checks the borrower's insurance against your requirements and drafts the agent's fix list
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with The Helvetica Group. That introduction is what keeps every skill here free.
What this skill does
Checks the insurance the borrower delivered against what the lender requires, before funding. Catches the wrong mortgagee wording, a homeowner policy on a vacant flip, coverage based on depreciated value, missing flood or rent-loss coverage and a policy that starts too late — then drafts one clear correction request to the insurance agent.
What it does
- Confirms what each document actually proves — a certificate is not a policy, and a quote is not coverage
- Checks the insured's name, the mortgagee clause wording, the policy type and the coverage amount
- Flags coverage gaps for vacant, under-renovation, under-construction and short-term rental properties
- Works out the flood coverage needed from your flood zone determination
- Checks liability limits, deductibles, rent-loss coverage, policy dates and cancellation notice
- Separates fixes the agent can endorse quickly from problems that need a new policy, so you can reset the closing date early
When to use it
- A binder, evidence of insurance or declarations page arrives
- Before clear-to-close on any loan
- The property will be vacant or under renovation
- The property is in a flood zone or a coastal wind area
What to have ready
- The insurance documents the borrower's agent sent
- Your insurance requirements, including your exact mortgagee wording
- The loan amount, closing date and property status
- Your flood zone determination and a replacement cost estimate
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Here's the binder for [PROPERTY ADDRESS] — [LOAN TYPE] loan of [AMOUNT], property will be vacant during rehab, flood zone [ZONE]. Does it meet our requirements? Draft the letter to the agent."
What you get back
An acceptable, acceptable-with-corrections or not-acceptable result, a line-by-line checklist, the flood analysis, the effect on the closing date, and a draft correction letter to the agent.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- The letter to the agent contains only property and policy details, never the borrower's financials; flood rules are flagged for your counsel; and nothing is sent for you.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Property Insurance Requirements Checker
The insurance binder is one of the last documents in and one of the most often wrong. The mortgagee clause names the lender without "its successors and/or assigns," the policy is a homeowner form on a vacant investment property, the dwelling limit is actual cash value, the flood zone was never checked, or the policy starts the day after funding. Each of these can leave the lender unprotected on the one day it matters. This skill checks the evidence line by line against the lender's requirements and drafts a single, specific deficiency letter to the agent.
Works for bridge, fix-and-flip, ground-up construction, DSCR rental and small-balance commercial loans. It is the lender's compliance check on what the borrower delivered; choosing and buying coverage for an acquisition is a different job, handled by insurance-coordinator. Once the loan has funded, tax-and-insurance-expiration-tracker watches renewals for the life of the loan.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Insurance evidence | ✅ | Evidence of property insurance form, certificate of liability insurance, binder, declarations page, and flood policy or quote. Say which you have — a certificate alone does not amend a policy |
| Lender's insurance requirements | ✅ | Exact mortgagee clause wording, coverage rules, deductible limits, liability limits, notice terms. If none, use Step 3's defaults and label each |
| Loan amount and closing date | ✅ | |
| Property status | ✅ | Occupied rental, short-term rental, vacant, under renovation, under construction, owner-occupied |
| Replacement cost estimate | ✅ | From the insurer's estimator, the appraisal's cost approach, or the construction budget |
| Flood zone determination | ✅ | The lender's own determination — not the borrower's statement |
| Borrower's exact legal name | ✅ | To check the named insured |
| Agent contact | For the letter | [AGENT NAME] placeholder if not given |
Minimum viable: the evidence, the loan amount, the property status and the borrower's legal name. Without a flood determination, the flood check is marked not performed and listed as a condition.
Step 2 — Confirm what the document is
| Document | What it proves | Limits |
|---|
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from The Helvetica Group
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