A policy schedule may still describe a building as it was before an extension, subdivision or change of use. Portrait records the physical facts so your broker can ask the insurer to review the information it holds.

What we record

The survey can provide areas, heights, volumes and visible features relevant to the review. Plans and photographs help explain the differences between the current premises and the policy record.

What happens next

We organise the evidence for your broker. The broker and insurer decide how it affects the policy, including any mid-term adjustment. A correction may affect cover or premium in either direction.

Bring the policy schedule, recent plans and a note of changes to the building. We identify which physical details can be checked by survey and which need supporting documents.

A traceable correction schedule

Areas, layout and visible protection features are recorded against the relevant policy entries. An observed alarm or sprinkler is not a certification of its performance; specialist confirmation may still be required.

You do not always need to wait until renewal to raise a material change with your broker.

Evidence for the request

Portrait prepares the measured information and explains the proposed corrections. Your broker considers whether to request an adjustment and puts the evidence to the insurer. Any change remains subject to the policy terms and acceptance.

A clear property evidence pack can help a broker present the risk when considering alternative cover or renewal terms.

Compare the whole position

Measured areas, visible protection and external exposures can be assembled for the broker. Cancellation charges, return premiums, replacement cover and continuity of protection need to be considered by the broker before a change is made.

Boundaries, neighbouring buildings and outdoor storage can be difficult to explain from a policy schedule alone.

What the plan shows

We map separation distances, yard storage and visible access arrangements within the agreed survey scope. The plan gives the broker and risk specialists a common reference; it does not certify fire safety or the adequacy of water provision.

A recovery plan needs to reflect how a site operates. Which areas can work independently, and which depend on the same loading route, storage area or service?

Inputs for your advisers

Measured zones, access routes and operational dependencies help your broker and other advisers test recovery assumptions. Financial exposure, sums insured and indemnity periods require their own assessment.