AI for habitational insurance agencies, tested first on building schedules your desk already reconciled.

Each closed account already holds its own answer. At renewal, someone on your desk took last year's statement of values, the owner's building list and whatever came in from the property manager, and worked out what changed. When a carrier's loss control report arrived, someone logged what it asked for and chased the replies. The schedule that went out and the file that closed both sit in the account folder, so your reviewer can lay each AI draft beside them, building by building.

The schedule has readers outside your agency. Fannie Mae's Multifamily Guide, in the version effective October 26, 2026, calls a Schedule of Values the list of insurable values a borrower gives an insurer for every property under a policy. Section 501.01C has the lender review and analyze that list, along with geographic concentration, for any blanket policy, and record its analysis in the servicing file. Section 501.01A then lists the schedule among the policy documents a lender submits within five business days after the book-entry date. Freddie Mac's Chapter 31, in its October 2026 update, names what else a lender may gather on a blanket limit: property addresses, the number of buildings and stories, each building's insurable value, business income or rental value, and business personal property.

Public owners post what a schedule has to hold. The Clarion County Housing and Redevelopment Authority's 2026 insurance request in Pennsylvania gives each property an address, a unit count and an insurable value, and describes construction in a sentence: two-story frame buildings with vinyl siding, built in October 1980. Its values were still to be determined, with an appraisal reporting by March 2026. Someone has to turn that sentence into a construction class and that date into an age. Back in 2019, a bidder on the San Antonio Housing Authority's broker contract asked for a schedule of values spreadsheet listing all addresses, insurable values, year built and rehab dates, and was told the list would go to whoever won.

Some buildings carry a statutory calendar. Florida's section 553.899 calls for a milestone inspection on any building of three or more habitable stories held in whole or part as a condominium or cooperative. The first is due by December 31 of the year the building turns 30, with a local option to start at 25, and every 10 years after. Phase one is a licensed architect's or engineer's visual examination; phase two follows only if phase one finds substantial structural deterioration. The association gets a sealed copy of the report and a separate summary, papers that can reach your desk in the same season as a carrier's recommendations.

Two property forms sit under this book. ISO's Condominium Association Coverage Form, CP 00 17, covers buildings and personal property an association owns, while its Building and Personal Property Coverage Form, CP 00 10, is the key direct damage commercial property form. An agency that writes both reads a building list with two sets of questions in mind, so a fair sample carries some of each.

One limit covers both jobs. Commercial lines only: apartment and condominium buildings. The proof of concept works on copies and never touches your agency management system, a carrier portal, a live policy or a live submission. It never decides coverage, sets a building's value, answers a carrier or binds anything. Every call and every reply belongs to a licensed person on your staff. The rules named here are short summaries, not legal or insurance advice.