For Insurance Brokers
Give underwriters something beyond a loss run.
HeyNeighbor builds the pre-underwriting documentation record brokers can attach to renewal submissions — operational history that is timestamped, traceable, and defensible.
Loss runs are backward-looking. Underwriters want to know what happens next.
Loss runs document what already happened
They tell the underwriter where you’ve been. They say nothing about what the operator is doing to prevent the next claim. That gap is where premiums move.
Operators can’t show what they can’t document
Most multifamily operators don’t have a structured record of how they identify, escalate, and respond to emerging risk. When a carrier asks for evidence of a risk management program, there’s nothing to hand over.
Renewals without documentation are negotiations without leverage
A broker who can submit an operator’s documented risk management record alongside the loss run is having a different conversation with the underwriter than one who can’t.
Two stages. The first one is free.
Public Signal Snapshot (free)
We start with a free diagnostic built entirely from public data — resident reviews, code enforcement records, 311 complaints, permit history, eviction filings, OSHA complaints, HUD/REAC scores, and litigation records. Delivered in 5–7 days. No cost, no commitment. Surfaces the risk patterns already visible on the public record for one of your client’s portfolios.
This is a diagnostic, not underwriting evidence. It identifies what’s worth looking at before committing to an internal pilot.
Internal Documentation Pilot ($1,500/month)
If the public snapshot surfaces meaningful patterns, we move to a 90-day internal pilot. We ingest the operator’s maintenance logs, work orders, resident complaints, inspection records, and incident history. The output is an institutional documentation package — timestamped, traceable, machine-generated — structured for a carrier conversation at renewal.
Minimum 90 days. Requires operator data access. Designed to align with a renewal cycle.
A documentation record the underwriter can actually use.
Timestamped risk pattern history
Every signal, pattern, escalation, and leadership notice is recorded with a timestamp and source attribution. The record shows what was visible, what was escalated, and when leadership was made aware.
Documented response timeline
The platform captures the gap between when leadership was notified of a risk pattern and when documented action was taken. A short gap with documented remediation is defensible. A long gap without action is not.
90 days of operational continuity
The pilot runs for a minimum of 90 days, aligned to the renewal cycle. By renewal, the broker has a continuous operational record — not a point-in-time snapshot.
Structured for carrier submission
The documentation package is formatted for the conversation with the underwriter — not a raw data export. Designed for surplus lines and non-admitted carriers with pricing flexibility.
Built for brokers who do pre-underwriting work.
HeyNeighbor is not useful for brokers who only shop quotes. It is built for brokers who do substantive pre-underwriting preparation — who have relationships with surplus lines or non-admitted underwriters who have actual pricing flexibility, and who are willing to bring a documentation record into the renewal conversation.
A few things worth being direct about.
If you have a client renewing in the next 90–180 days, that’s the conversation worth having first.
The free public signal snapshot takes a week and costs you nothing. If the findings aren’t useful, you haven’t lost anything.