You know the moment. The deal looks clean, then insurance comes back messy and late. Premiums jump, exclusions show up, and you end up rewriting assumptions under time pressure. Most teams still piece this together by hand. They check FEMA maps, skim hazard layers, and guess what it means for coverage and reserves. It is slow, inconsistent, and easy to miss the driver that matters. Due Diligence ~5 min to run Assess Physical Risk Exposure for an Asset Vic prompt Use Vic to assess the physical risk exposure for a 250,000 sf industrial asset in Houston, Texas. Purpose The screen surfaces insurance and reserve requirements before they affect deal terms or operating budgets. It replaces a 30-minute manual review with a 5-minute output that supports consistent risk decisions across assets. Inputs Address Required Property Details Optional Output Format Optional Outputs A hazard-exposure read delivered in chat or Word that lists the NRI composite and key hazards, insurance-line pressures with coverage gaps, resilience-CapEx and reserve implications, and a portfolio risk flag with data vintage noted. Time saved Turns roughly 30 minutes of manual review into about 5 minutes. How it works Run the task with a simple instruction: "Use Vic to assess the physical risk exposure for a 250,000 sf industrial asset in Houston, Texas." Provide the address. Add property details if you have them and pick chat or Word for the output. Vic returns a tight hazard exposure read. It includes the FEMA National Risk Index composite score and calls out the hazards behind it. You get coverage across flood, seismic, wildfire, severe weather, and contamination. This is not a map dump. It is a clear read on which hazards matter for the asset. The output then links those hazards to insurance lines. It flags where pressure is likely to show up, such as flood or wind, and notes any insurability risk or coverage gaps. This is where most teams struggle. You do not have to translate a risk map into a premium guess. Next comes cost. Vic states resilience CapEx and reserve implications by hazard. If flood risk is the driver, you will see the impact on mitigation and ongoing reserves. If severe weather or wildfire drives risk, the read shifts. The goal is to make the budget impact explicit while you still have room to price it into the deal. The read ends with a portfolio risk flag and the data vintage. The flag keeps decisions consistent across assets. The data vintage shows what the screen is based on, which matters when you compare assets across regions. What you hand over and what you get back Input: address, optional property details, optional output format. Output: NRI composite and key hazards, insurance line pressures with coverage gaps, resilience CapEx and reserve implications by hazard, plus a portfolio risk flag and data vintage. This is a screening tool, not a replacement for binding quotes or engineering reports. You get a fast, consistent read early enough to shape pricing, terms, and hold assumptions. It is easier to defend a number that ties to a clear hazard driver than a hand waved contingency. In practice, teams use it at three moments. During initial underwriting to set insurance and reserves before an IC memo. During diligence to check broker feedback and avoid surprises. At the portfolio level to line assets up on the same scale and spot outliers that need attention. The time savings are real. What used to take about half an hour of manual checks comes back in about five minutes. More important, the answer is consistent. The same hazards, the same structure, the same tie to insurance and reserves each time. That consistency keeps small misses from turning into expensive ones.