For Institutions
Verified water-loss readiness, priced into your book.
Fathom Assurance is the independent third party that lenders, insurers, brokers, and servicers can require, reference, and monitor against. One asset-level Readiness Record. One standard. One source of evidence at origination, renewal, and claim.
Why capital cares
Preventable water loss is a credit and underwriting signal.
Non-weather water is the most frequent and most preventable interior loss in multifamily and commercial real estate. It compounds into loss ratios, watchlist transfers, and asset-level reserve adjustments. Today, no party in the capital stack has an independent, comparable view of it.
01 · Insurers
Lower loss ratio, defensible schedule credit
WaterScore plugs into submission and renewal. Verified controls justify rate adequacy and reinsurance treatment without relying on operator self-attestation.
02 · Lenders
Collateral protection at origination and through life-of-loan
Reference EC-Water in covenants. Receive monitoring signal that fires before a loss becomes a watchlist or transfer event.
03 · Brokers & Servicers
A defensible third-party readiness story
Attach the Readiness Record to the submission, the loan file, or the watchlist note. Same artifact, every counterparty, every cycle.
What you get
One record. Every stakeholder. Every cycle.
Each asset under coverage produces a single, queryable Readiness Record. The same record is referenced by the lender, the carrier, the broker, the servicer, and the owner — eliminating duplicate diligence and conflicting claims about the same building.
WaterScore
Asset-level readiness score
0–100 composite across eight EC-Water control domains. Comparable across portfolios, geographies, and vintages.
Readiness Record
Per-asset evidence pack
Inspection records, exception register, verification level, certificate, expiry, and chain of custody. API-addressable.
Portfolio feed
Daily delta on your book
Score movement, expiring certificates, new exceptions, recently re-verified assets. CSV, API, or pipe into your existing risk system.
Monitor
Pre-loss signal
Telemetry-driven alerts on coverage gaps, missed re-tests, and high-severity exceptions before they convert into claims.
Claims-time evidence
Adjuster-ready record
At first notice of loss, the carrier and adjuster receive the asset's current Readiness Record, last inspection, and exception history within minutes.
Registry
Verifiable certificate lookup
Public registry record for every active Fathom Certified asset, citable in covenants and endorsements.
How it's delivered
Capital requires it. Owners achieve it. Independent firms execute.
Fathom is the standard, the assessment, and the registry. Remediation and on-the-ground work are performed by independent firms accredited against EC-Water. This separation is what makes the certificate defensible to a regulator, a reinsurer, and a court.
Requires
Lender, insurer, broker, or servicer references EC-Water at origination, renewal, acquisition, or watchlist trigger.
Achieves
Owner or operator engages Fathom for assessment, remediates exceptions, and earns Fathom Certified status with a published expiry.
Executes
Accredited verifiers perform on-site work and submit evidence. Accredited response partners are dispatched at loss. Fathom audits both.
The verifier and response network is invitation-only and not currently open to public applications.
Engagement
Three institutional rails.
Fathom engages with capital partners across three rails. Scope, cadence, and commercial terms are sized to the book. There is no per-seat SaaS subscription.
Per-loan and per-policy assessment
Who pays
Lender or insurer (passed through to the asset at origination, renewal, or acquisition close)
What they get
One Readiness Record per asset, scoped to the underwriting decision
When
Origination · renewal · acquisition · refinance
Portfolio data license
Who pays
Carrier, reinsurer, MGA, agency, or institutional lender
What they get
Daily or weekly feed of WaterScore, exceptions, and certificate status across the named book
When
Annual term, renewable
Claims-time evidence and response dispatch
Who pays
Carriers, TPAs, and special servicers
What they get
On-demand Readiness Record at FNOL, plus dispatch to accredited response partners where coverage exists
When
At loss event
Independence
Why we don't hold a wrench.
Fathom assesses, verifies, certifies, and monitors. Fathom does not perform remediation or restoration work. Remediation and response are executed by independent firms accredited against EC-Water, audited by Fathom, and removable from the network for cause.
This separation is deliberate. A standards body that also sells the work it certifies is not a standards body. Lenders, insurers, and reinsurers can rely on the Readiness Record precisely because Fathom does not have a contractor's incentive to grade its own homework.
Next step
Bring a portfolio. We'll return scope and fit.
Share the book, the trigger, and the counterparty pressure. We respond with what a Fathom engagement looks like against it — typically within five business days.
See how the protocol becomes a structured, shareable readiness file.