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Insurance Doesn’t Care What We Say — Just What We Can Prove

Picture of William Tygart

 

One of us talks to underwriters and brokers, trying to keep premiums steady in a world full of fires, floods, and forecasts.
The other walks into buildings after the loss, documenting everything that was missed the first time.

We’re not usually in the same room.
But in 2025, we both know the truth:

ESG isn’t just about values anymore — it’s how buildings get judged for risk.

And the less we align?
The more everyone pays.

💥 Why Insurers Are Raising the Bar

They’re not being political.
They’re being mathematical.

  • Mold with no IAQ logs = risk

  • Repeat loss with no material upgrade = risk

  • Poor vendor documentation = risk

  • “Sustainable” buildings with unverified claims? Bigger risk

Underwriters are now asking:

“Do you have proof this building is getting smarter — or are we just paying for it to break again?”

🧰 Where Restoration and ESG Meet in the File Folder

ESG Concern Restoration’s Evidence
Indoor air quality HEPA usage, post-remediation IAQ testing
Energy performance Equipment logs, insulation upgrades
Material compliance Receipts, substitution logs, VOC ratings
Risk mitigation Scope notes that address cause, not just damage
Social safeguards Labor logs, PPE compliance, clean worksite photos

Your job report might not say “ESG” on it.
But it’s being read that way.

🧩 What Both Sides Can Do Differently — Now

If you're the restoration team:

“Want us to format this job as an insurance-friendly resilience file? We’ve seen it help with coverage reviews.”

If you're the CRE or risk manager:

“We’re getting penalized for soft files — can you help us show we’re taking ESG seriously at the response level?”

This isn’t marketing.
It’s survival.

🧠 Shared TL;DR

The insurer doesn’t want a story.
They want a file.

If what we say in proposals and ESG reports doesn’t match what’s on the jobsite — the building pays for that. Literally.

But if we align early, document clearly, and share what matters,
we don’t just get coverage.
We build resilience that’s visible — and insurable.
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