Reading findings
A finding is one thing the check noticed — a form that dropped, a limit that fell, a manuscript endorsement to review. Here's how to read and work them.
Anatomy of a finding
Each finding carries:
- Severity — critical (likely coverage gap), warning (check this), or info (noted, probably fine).
- Category — added, removed, changed, missing, manuscript or review.
- Location — the form number and/or field key it relates to.
- Prior value and renewal value — so a changed limit or deductible shows both sides.
- Description and remediation — plain-English what-and-why, and the suggested next step.
Working a finding
Set each finding's verdict as you handle it: OPEN (still to address), DISMISSED (reviewed, not a concern — e.g. an intended change the insured accepted), or RESOLVED (fixed with the carrier or documented to the client). The counts on the check update as you go.
Manuscript and review findings
Findings in the manuscript and review categories exist because the engine deliberately deferred to you — a non-standard endorsement or an ambiguous read. Open the referenced policy pages, read the language, and record your decision on the finding so the file shows a human made the call.
The check as your record
The worked check — findings, verdicts, dates, source-page citations — is the documentation of your renewal review. Keep it in the client file; it's exactly what an E&O defense (and the procedures audit behind a documented-procedure credit) wants to see.