Why Property Insurance Applications Are Broken (And How Agencies Can Fix Them)

If you’ve ever completed a Statement of Values (SOV) with 90+ columns, you know the truth: this isn’t a form—it’s a symptom.

A symptom of misaligned incentives in property insurance.

Carriers and underwriters want to reduce uncertainty. To do that, they ask for more and more data. Yet many of those fields don’t directly affect underwriting decisions. They’re “check-the-box” requirements that weigh heavily on producers and their teams.

The Hidden Cost of Over-Validation

Every extra column in an SOV adds time. Agents often spend hours chasing down building characteristics, loss history, and occupancy details—data that’s scattered across portals, PDFs, and county websites.

I’ve seen top producers attempt to field underwrite as much as possible upfront to reduce back-and-forth with underwriters. But even the best struggle with the volume of manual work. And when they can’t keep up, submissions slow down, quotes get delayed, and opportunities slip away.

The truth is, agents can’t change the way underwriters operate. Carriers will continue to over-validate.

The Path Forward for Agencies

If agencies can’t change the rules, the only solution is to change how they play the game.

That means investing in better data and tools that help producers:

• Access accurate property data instantly

• Reduce repetitive, manual research

• Submit complete, high-quality applications the first time

• Shorten the cycle from submission to quote

Agencies that arm their producers with this kind of advantage don’t just move faster—they win more business.

Where Adventus Helps with Property Insurance Applications

At Adventus, we’ve seen this problem firsthand. That’s why we built a quoting enablement platform designed for property insurance to help streamline these property insurance applications.

Instead of wasting hours gathering building data manually, agents can generate a complete, accurate property profile in minutes.

The result? Producers meet underwriter demands faster, submissions move forward without bottlenecks, and agencies grow without burning out their team.