Due Diligence Support
Bradley Risk provides independent risk and insurance due diligence for multifamily transactions, combining real-time market intelligence with asset-level risk analysis. From insurance quote validation and market testing to boots-on-the-ground site assessments, we surface hidden exposures and insurability risks before money goes hard on a deal.
Best for: Investors, lenders, and operators seeking a clear, unbiased assessment of insurance adequacy, asset-level risk, and hidden exposures during multifamily transactions.
Transaction-Ready Risk Intelligence Built for Confident Capital Deployment
Bradley Risk provides independent risk and insurance due diligence for multifamily acquisitions, refinancings, recapitalizations, and portfolio transitions. Our support is designed to surface hidden exposures, insurance gaps, and operational risk drivers before capital is committed—so deals are priced correctly, structured intelligently, and integrated cleanly post-close.
Because we work continuously across multifamily portfolios nationwide, we bring a real-time macro view of carrier appetite, pricing discipline, and coverage constraints into every transaction. This allows us not only to assess whether insurance quotes are reasonable, but to actively test the marketplace when needed to determine what coverage terms and pricing are realistically achievable for a specific asset or portfolio.
Our offerings range from light-touch, behind-the-scenes diligence—such as reviewing insurance quotes, benchmarking coverage terms, and validating carrier assumptions—to full-scope, boots-on-the-ground risk management engagements. At the highest level, this may include physical site reviews of asset risk profiles, identification of operational hazards, and early remediation planning so insurance-related challenges are discovered and addressed before money goes hard on a deal.
We go beyond policy summaries. Our diligence process evaluates historical loss trends, asset construction and condition, geographic catastrophe exposure, operational controls, contractual risk transfer, and go-forward insurance program feasibility. Our objective is to give you a decision-grade risk profile pre-close—and a structured roadmap for eliminating surprises post-close.
Engagement Models
Light-Touch Insurance Quote & Market Testing: Targeted support for active transactions, including:
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Review of seller-provided or broker-generated insurance quotes
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Coverage benchmarking against current market outcomes
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Validation of pricing assumptions and deductibles
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Market testing to determine true carrier appetite when quotes appear misaligned
Ideal for deals moving quickly where leadership wants independent confirmation before proceeding.
Pre-Acquisition Risk & Insurance Diligence: Comprehensive, desk-based diligence designed to surface financial and structural risk drivers, including:
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Historical loss run analysis and anomaly detection
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Insurance policy review (premiums, limits, retentions, exclusions, endorsements)
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Coverage gap identification
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Catastrophe exposure and geographic concentration analysis
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Post-close insurance strategy recommendations
Best for acquisitions where insurance cost or availability could materially impact valuation or financing.
Boots-on-the-Ground Risk Assessments: Physical, on-site risk reviews of individual assets or portfolios to identify hazards that could impair insurability, drive pricing, or trigger underwriting restrictions, including:
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Property condition and life-safety exposure review
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Fire protection, security, and building system assessments
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Slip-and-fall, water damage, and premises liability hazard identification
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Construction class and maintenance red-flag analysis
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Underwriting readiness scoring and remediation prioritization
Best for value-add, distressed, tertiary-market, or historically loss-heavy assets.
Lender & Investor Reporting Support: Preparation of third-party–ready diligence outputs for:
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Investment committees
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Debt providers
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LPs and joint venture partners
Deliverables include executive risk summaries, insurance adequacy memos, and underwriting feasibility assessments.
Post-Close Risk Integration: Execution support after close to ensure acquired assets are cleanly transitioned into your risk and insurance ecosystem, including:
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Integration into master insurance programs
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Alignment of deductibles, limits, and coverage terms
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Operational risk control implementation
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Contractual risk transfer standardization
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Carrier and broker transition management
WHAT THIS INCLUDES
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Insurance quote review and benchmarking
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Market testing of carrier appetite and pricing
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Historical loss run analysis
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Insurance policy review and coverage gap identification
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Asset-level risk profiling
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Catastrophe exposure analysis
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Physical site risk assessments (as needed)
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Hazard identification and remediation planning
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Lender and investor-facing risk summaries
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Post-close risk integration roadmap
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Insurance program feasibility modeling
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Contractual risk transfer review
COMMON TRIGGERS TO ENGAGE US
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Insurance quotes materially exceed underwriting assumptions
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Coverage terms feel unusually restrictive or inconsistent with asset quality
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Carriers decline to quote without a clear explanation
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Prior loss experience raises concerns about future insurability
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Value-add or distressed assets carry unknown risk profiles
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Assets are located in catastrophe-exposed or tertiary markets
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Lenders raise questions about insurance adequacy
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Closing timelines leave no room for post-close surprises