The short answer
Most property insurance problems that surface later trace back to the same two facts being wrong at the start: which buildings are on the property and how big they are. PropDiagram records both from a street address in about a minute, as a numbered diagram and building schedule you can correct and save. Agents use it to document what was insured, underwriters to check square footage and find missing buildings, and adjusters to see what stood there before a loss.
Three problems one diagram helps with
E&O exposure
A dated record of every building, its size and whether it was insured at ACV, RCV or not at all. The file shows what was identified and what was decided.
Reduce E&O exposure →Undervalued buildings and premium leakage
Measured footprint square footage for each building, and a count of the buildings actually on the lot, to set against the application and the schedule.
Check insurance to value →Claims
When a building is gone, the diagram still shows its outline, dimensions and position. Settlement starts from a record instead of a memory.
Document what was there →When the carrier asks for a plot plan
Underwriters often ask the agent for a plot plan, plot map, site diagram or sketch diagram for high-value or complex commercial properties, for specialty, excess and surplus (E&S) and inland marine risks, and when imagery does not answer a COPE question about clear space, hydrants or neighboring operations. A PropDiagram report is that diagram, made from the address in about a minute. See when and why carriers require a property diagram.
How each role uses it
| Role | When | What the diagram gives you |
|---|---|---|
| Agent or broker | New business, renewal, a change to the property, or when the underwriter asks for a plot plan | A building-by-building schedule to review with the insured and keep in the file, and a site diagram to attach to the submission |
| Underwriter | Submission review, renewal re-underwriting | Square footage to check against the application, and buildings that are not on it |
| Loss control | Before or instead of a site visit | Site layout, distances between buildings, and from fuel tanks and wood boilers to the nearest building |
| Risk manager | Building a statement of values | One consistent diagram and schedule per location |
| Claims adjuster | First notice of a property loss | What stood on the property, where, and how big |
Why a one-minute report changes the habit
Everyone agrees that a diagram belongs in the file. It usually is not there because it took a site visit, a subscription to an imagery platform, or half an hour with a map and a ruler. At low cost and about a minute, with no contract, it becomes something you can do for every account, not just the large ones.
- Easy. An address is all you need. The building footprints are drawn and measured automatically.
- Low cost. Pay per successful report or subscribe monthly. No contract and no minimum.
- Yours to correct. Move a wall, add a new building, remove a neighbor's, mark the fuel tanks. Edits and repeat downloads are free.
See how it works or how PropDiagram compares with imagery and property intelligence platforms.
Common questions
Is a PropDiagram report an insurance valuation or appraisal?
No. It is a diagram and reference record of the buildings on a property, their dimensions and footprint square footage. Use it to check the inputs behind a valuation; it does not estimate replacement cost.
Can I send the report to the insured or the carrier?
Yes. You may share a report with customers, insurers and other parties as needed for the purpose you ran it for.
Do I need a contract or a minimum volume?
No. Create an account, save a card and pay for each successful report, or subscribe monthly with reports included. There is no contract, and the subscription can be cancelled at any time.
Does it work for farm, commercial and habitational risks?
Yes. Any property with buildings visible from above can be diagrammed: farms with outbuildings, commercial lots, apartment complexes, churches, municipal properties and homes.
A PropDiagram report is a diagram and reference record. Measurements are approximate ground-footprint estimates from aerial-imagery-derived building outlines. A report is not an appraisal, survey, replacement cost estimate or insurance valuation; verify anything a decision depends on.