01 — Upload & Map Your Statement of Values (Steps 1–11)

02 — Configure Policy Parameters (Steps 12–21)

03 — Review Concentration Mapping & Risk (Steps 22–28)

04 — Confirm Compliance & Export Your Report (Steps 29–33)

Click the "Blanket Analysis" option on the Case Overview page.

Click "Click to upload SOV file (Excel, CSV, PDF, or image — or drag and drop here)" to upload the Statement of Values and begin the process.

The platform automatically detects which columns contain key data fields. Auto-detected columns display a green "Auto-Detected" badge.

If a column is not identified, use the "Select Column" dropdown for that field to map the correct column.

Once all columns are correctly identified, click "Apply Mapping" to begin the analysis.

The platform pulls all locations listed on the source SOV into the "SOV Preview." Select which location represents the subject property.

By default, the tool assumes the first row is the subject. If that's not correct, deselect the green checkbox and select the correct property instead.

For a large SOV, use the search function within the "SOV Preview" to search by city, state, or ZIP code. This narrows the list and speeds up the review.

If the SOV lists locations at the individual-building level, use the "Group by Location" option. This combines the TIV for all buildings insured under the same city, state, and ZIP code.

A "Tier 1" column displays a red "Tier 1" badge based on standard industry classifications used across large insurance programs.

If a location is incorrectly identified as Tier 1, click the red "Tier 1" badge and change the status to "Non-Tier 1."

To add a property that was not included on the original SOV, scroll to the bottom of the SOV and enter the City, State, ZIP, and TIV for the additional property.

A notification banner or badge indicates when properties were skipped, typically because the SOV contains an invalid City, State, or ZIP Code, or a blank or zero TIV. Skipped properties are excluded from the analysis.

To correct a skipped property, click the applicable field (ZIP Code, TIV, City, or State) and enter the correct value. The property is then included in the analysis.

After reviewing the generated properties and values, click "Continue to Policy Details" at the bottom of the page.

With the subject property identified, begin setting the policy parameters by entering the policy's blanket limit.

Enter the leading carrier for the blanket policy.

If the policy includes a sub-limit, click "+ Add Sub-Limit" to add it.

If no sub-limits are entered, the system assumes all perils are included within the blanket limit.

To add a sub-limited peril, click the "Select an Item" dropdown and choose the applicable peril.

Enter the sub-limit amount for the selected peril.

To add a stand-alone carrier, click "Add Carrier" and enter the applicable carrier details.

Click the "Select an Item" dropdown and select the peril the stand-alone carrier corresponds to.

Enter the stand-alone carrier name into the "Carrier Name" field.

Use the Yes/No toggles to define the policy structure and capture key coverage characteristics that impact the analysis.

Once all policy parameters are entered, click "Run Analysis."

The platform generates feedback based on the uploaded SOV and the information entered on the Policy Details screen. This section is fully editable, so details can be added, removed, or adjusted to reflect the final analysis.

The generated feedback always runs the same sub-limit checks and produces the same coverage conclusions for a given SOV. Only the wording of the AI-generated summary may change, and only if it's regenerated.

Below the feedback section, the compliance checks display key details from the analysis, showing how the coverage aligns with requirements, where deficiencies may exist, and whether the results support compliance or require further review or waiver consideration.

Visual concentration mapping is integrated directly into the Blanket Analysis tool, providing a real-time geographic view of portfolio exposure so users can identify where insured values are concentrated and assess potential accumulation risk.

The concentration map displays every location on the uploaded SOV and shows a heat map of insured value concentrations, from green (minimal concentration) through yellow and orange to red (highest concentration and potential risk).

Hover over a highlighted area to view the combined TIV of all insured locations within that concentration zone.

Zoom into a concentration zone using the mouse wheel or the "+" and "−" map controls to isolate individual properties and analyze the locations contributing to the concentration.

Use the "Radius" filter at the top of the Concentration Map to expand or reduce the distance used to evaluate concentration exposure around a location. Available options are 10, 25, 50, and 100 miles.

A larger radius includes more nearby properties and results in a higher aggregated TIV. A smaller radius provides a more localized view of concentration risk.

Once a radius is selected, the system compares the aggregated TIV within that radius to the blanket limit entered in Step 13 and assigns a Low, Medium, or High risk designation.

Change the concentration mapping to a specific sub-limit, such as "Named Storm" or "Terrorism," to recalculate the analysis using the corresponding limit instead of the overall blanket limit.

Toggle between "Blanket," "Named Storm," and "Terrorism" views to assess exposure from multiple perspectives and determine whether available limits are sufficient for each covered peril.

Additional filters are available under the "Filters" icon.

The "Exposure Breakdown" section below the Concentration Map summarizes insured values by State, City, or ZIP Code. Select the applicable tab to view the geographic distribution of TIV at the preferred level of detail.

The compliance checks below the Concentration Map evaluate the policy against key insurance requirements, summarizing the Subject Property TIV, Blanket Limit, Named Storm Limit, and Highest Tier 1 TIV, along with Yes/No indicators for common compliance tests.

If the blanket amount was entered incorrectly, click directly into the field and update the amount. The analysis reflects the change without returning to the Policy Details page.

Below the compliance checks, the geographic dispersion analysis summarizes total TIV by state, breaks out TIV by city and ZIP code, and highlights TIV concentrations within Tier 1 wind zones.

The platform automatically saves the Blanket Analysis within each loan file, so the analysis does not need to be redone if a limit or detail changes during the review process.

Once the review is complete, export the report as a PDF for placement in the loan file.

The exported PDF can be placed in the Case file for review or compliance documentation.

The saved analysis remains attached to the case and can be updated if a policy detail or limit changes.