Insurance responds after a loss. Operations prevent one. This is our published, evolving body of operational guidance — built from the patterns we see across real claims, organized into the systems, protocols, and records that keep properties off the incident list.
Water, electrical, fire, and HVAC. The physical failures behind the costliest STR claims — and the protocols that catch them early.
Screening, event and party prevention, occupancy limits, and house rules written to hold up after a claim.
Inspection logs and condition records — the evidence underwriters and adjusters look for when a loss occurs.
Across the library, a short list of physical failures accounts for most catastrophic losses. Each has a known, inexpensive control.
Water is the most frequent and most preventable major loss. Sensors with main-line shut-off contain it in minutes.
Water off, inspections scheduled, and freeze protection on any vacancy beyond a set threshold.
Detectors, extinguishers, and clear egress — verified on a schedule, not assumed.
The operational tools we use as the foundation of client audits, free to download.
Plain-language analysis on the systems and records that keep a property off the incident list.
The framework is published as open guidance today. Over time, it forms the basis of an operational standard — a way to document that a property actually meets it. We’re building that carefully, in sequence, so the standard means something when it arrives.
For now: read it, apply it, and bring it to your audit.
An audit maps your property against the framework and your coverage against the gaps — in one pass.