Risk & Insurance

Place and manage property insurance: building replacement cost valuation, business income/loss of rents coverage, catastrophe exposure (hurricane, earthquake, flood, wildfire), liability, and umbrella/excess. Manage renewals across a portfolio — each property with different risk characteristics, coverage needs, and carrier relationships. Evaluate deductible strategies, self-insurance retentions, and captive arrangements for larger portfolios. For properties in high-risk zones, navigate surplus lines markets and state-specific wind/flood programs (Citizens, TWIA, NFIP).