Field notes on property risk engineering.

EML vs PML: where risk engineers and underwriters talk past each other

Why the two figures diverge in practice, and how to read an EML position that looks conservative but isn't.

What actually gets flagged on an HPR survey

A working checklist of the findings that most often shift terms — and the ones brokers over-worry about.

FM Global vs LPC/NFPA: reconciling divergent sprinkler standards

Coming soon.