Home Insurance & Risk Intelligence
Total Protection

Insurance &
Risk Intelligence

Protecting the scheme against the unexpected with technical data — accurate replacement valuations, conflict-free brokerage, engineering-led risk audits, and expert claims advocacy when you need it most.

Managing Risk with Data

Why Understanding Your Building Leads to Better Protection

Most management companies treat insurance as a once-a-year paperwork task. At Clearview, we treat it as a critical part of your building's financial security.

Our goal is to use the engineering data from our Asset Stewardship Audit to show insurers exactly how well-maintained and safe your building is. By providing "Risk Intelligence" instead of just a generic application, we ensure the scheme is fully covered for its true value.

This technical approach protects the Committee from liability and ensures that if the unexpected happens, the building has the funds it needs to recover without draining the owners' pockets.

Insurance Approach — Standard vs Clearview Risk Intelligence
Category
Clearview
Valuation method
Engineer-verified replacement cost
Broker relationship
Zero commission — conflict-free advice
Risk evidence provided
Engineering audits + maintenance logs
Claims management
Full advocacy with technical records
Policy review frequency
Annual review against real-world risks
Office Bearers Liability
Always included — Committee protected
Our Protection Standards

Six Ways We Guard Your Scheme's Future

From accurate valuations to expert claims advocacy — the six disciplines that make Clearview's insurance approach fundamentally different.

Accurate Replacement Valuations
Ensuring you are never under-insured

We coordinate professional valuations to make sure the "Sum Insured" matches the actual cost of rebuilding in today's market. Our background in drafting and construction helps verify these figures — so owners aren't paying too much in premiums or left short after a claim.

Committee Liability Protection
Safeguarding the leaders of the scheme

We ensure that "Office Bearers Liability" is a core part of every policy. This protects Committee members personally from legal costs or claims related to their decisions — allowing you to lead the building with confidence and genuine peace of mind.

Conflict-Free Brokerage
Our advice is never for sale

Unlike many in our industry, we refuse all insurance commissions and kickbacks. When we recommend a policy, it is because it provides the best coverage for your building — not because it pays us a fee. This approach saves the scheme money and builds total trust.

Claims Advocacy
Standing up for the owners

When a claim needs to be made, we don't just "lodge the form." We act as your advocate — using our technical records and photographs to prove the damage and costs. We manage the process from start to finish to ensure the building is repaired quickly and correctly.

Annual Risk Reviews
Staying ahead of changing hazards

Risk isn't static. We review the building's safety and insurance needs every year — whether it is a change in local climate conditions or new fire safety legislation, we adjust your protection strategy to match the real-world risks facing your property today.

Engineering-Led Risk Audits
Proving the building is safe

We use our Day-Zero engineering reports to show insurers that the building's structure, wiring, and plumbing are in good health. By proving the building is a "low risk," we can often negotiate better terms and more comprehensive coverage than a standard manager could access.

Our Method

Engineering the Safety Net

Two systems that turn Clearview's technical data into better insurance outcomes — and faster recoveries when claims need to be made.

System 01

The Technical Risk Portfolio

Presenting your building to insurers as a premium asset

Instead of sending a broker a basic form, we provide them with our engineering audits, maintenance logs, and photographs of recent upgrades. This forensic evidence proves the building is being managed with professional stewardship.

When an insurer sees that the roof is regularly inspected and the plumbing is monitored, they view the building as a safer bet — allowing us to seek out broader coverage and specialised policies that clerical managers often miss.

Day-Zero engineering report

Professional structural and systems condition assessment

Photographic maintenance records

Before-and-after evidence of all completed repairs

Compliance certificates

Fire safety, lift, pool, and WH&S current certificates

10-year maintenance forecast

Evidence of planned proactive care — not reactive management

Sinking fund adequacy statement

Demonstrates financial capacity to respond to damage events

System 02

The Claims Management Interface

Using data to accelerate repairs and recoveries

If a storm damages the roof or a pipe bursts in a common area, we immediately pull the relevant warranties and "Before" photos from our Digital Vault. We then draft a Scope of Works for the repair that matches the building's original standards.

By providing the insurer's assessor with this level of technical detail, we reduce the "back-and-forth" and get the claim approved faster — preventing secondary damage like mould or rot, and keeping the building's physical and financial health intact.

Incident occurs — Digital Vault accessed immediately

Relevant warranties, "Before" photos, and compliance certificates retrieved within hours of the event.

Technical Scope of Works drafted for the repair

Repair scope matches the building's original standard — no downgrades, no gaps in coverage.

Full evidence package submitted to insurer's assessor

Engineering history, photographic evidence, and scope submitted together — not drip-fed over weeks.

Claim approved and repair commenced promptly

Technical clarity speeds approval — preventing secondary damage while the building waits on a slow claims process.

The Outcome

A Scheme Shielded from Disaster

Maximum coverage and minimum stress for owners

When insurance is handled with technical intelligence, the entire community is safer. Owners can rest easy knowing their home is protected for its true value and that the Committee is shielded from personal risk.

The result is a scheme that is "future-proofed" against the unexpected. By choosing a manager who prioritises honesty and engineering data over hidden commissions, your insurance isn't just a piece of paper — it's a robust financial shield that protects your wealth for the long term.

Review Your Building's Coverage
True
Replacement value — never under-insured
Zero
Commissions received from any insurer
Faster
Claims — technical records eliminate assessor delays
Annual
Risk review to match real-world hazard changes
Next Step

Financial Integrity & Transparency

Now that you see how we protect the building from risk, explore how we protect its money — managing the building's treasury with clinical precision in Financial Integrity and Transparency.