Tax and Insurance Expiration Tracker
One calendar of every tax installment and policy expiration across your book
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
Protects your collateral from the two things that can wipe it out even when payments are current: an unpaid property tax, which usually outranks your loan, and an uninsured loss. Puts every tax installment and policy expiration across your loans on one calendar, grades each one, and drafts the requests for renewals and proof of payment.
What it does
- Builds one calendar with a row for every tax installment and every insurance policy in the portfolio
- Grades each item green, amber or red, and treats anything unknown as amber rather than assuming it is fine
- Checks each policy for the usual gaps: the wrong mortgagee wording, limits below the loan, a vacant property on the wrong policy, builder's risk about to run out
- Prepares the decision on force-placed insurance or paying delinquent taxes yourself, with the clause that allows it
- Drafts one request per borrower, insurance agent or servicer covering everything they owe
When to use it
- Your monthly or quarterly portfolio review
- A cancellation notice or county delinquency notice arrives
- A batch of policies is about to renew
- You are not sure taxes were paid on your non-escrowed loans
What to have ready
- Your loan list with property addresses and which loans are escrowed
- Insurance certificates or declarations pages
- Tax installment dates and payment status
- Your insurance requirements from the loan documents
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 our loan list and the insurance certificates we have on file. What expires or comes due in the next [NUMBER] days, and draft the renewal requests."
What you get back
A graded tracker — red items, amber items, a dated calendar, coverage gaps, decision memos and draft requests — plus a list of missing data and who can supply it.
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.
- Always confirms a lapse or delinquency with the carrier, agent or county before suggesting a remedy. Force-placed insurance and tax-sale rules vary by state — confirm with counsel.
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.
Tax and Insurance Expiration Tracker
Two things can wipe out a private lender's collateral without the borrower missing a single payment: a property tax lien, which in most places outranks the mortgage, and an uninsured loss. Both are preventable, and both are usually caught late because the information sits in fifty separate insurance certificates and county websites. This skill puts every tax installment and every policy expiration on one calendar, grades the book, and drafts the chase.
Works for any serviced portfolio: bridge and fix-and-flip (non-escrowed, highest risk), DSCR rental, construction (builder's risk), land and small-balance commercial.
Related skills.
escrow-impound-analyzerdoes the escrow account math on escrowed loans. Closing-stage insurance review (checking coverage before funding) isproperty-insurance-requirements-checker; this skill starts the day after funding and runs for the life of the loan.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Loan list | ✅ | Loan #, property address, borrower, balance, maturity, escrowed for taxes? for insurance? |
| Tax information per property | ✅ | Parcel number, installment amounts and due/delinquency dates, last paid date — from county records or the servicer |
| Insurance per property | ✅ | Each policy: type, carrier, policy number, effective and expiration dates, dwelling/building limit, liability limit, deductible, mortgagee clause as written, agent contact |
| Required coverage per loan | ✅ | From the loan documents or the lender's insurance requirements: types, minimum limits, mortgagee wording, notice-of-cancellation requirement |
| As-of date and look-ahead window | ✅ | Default look-ahead: 90 days (illustrative) |
| Property status | Helpful | Vacant, under renovation, occupied, tenant-occupied; construction stage — decides which coverage is right |
| Flood zone determinations | If applicable | And any map changes since closing |
| Notices received | If any | Cancellation or non-renewal notices, county delinquency notices |
| Force-placed insurance provider and lender policy | Helpful | For the decision memo in Step 4 |
Minimum viable: loan list with addresses, each policy's expiration date, and each property's next tax installment date. Anything unknown is marked unknown and becomes a request in Step 5 —
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
They publish here under a verified work email. Their other skills, and how to reach them, are on their contributor page.