Claims and underwriting checklist
BESS insurer review checklist for owners who need the technical position clean before the economics turn political
This checklist keeps insurer, broker, and owner conversations grounded in evidence. Use it when the battery story needs to survive claims, renewals, underwriting review, or dispute positioning without collapsing into screenshot theatre.
The checklist
1Establish the actual technical question: claim support, renewal, underwriting refresh, or dispute positioning
2Request raw or near-raw telemetry that supports the owner position rather than relying only on screenshots and summary PDFs
3Check whether reported SoH is commercially credible against usable-capacity reality
4Identify the likely degradation or stress mechanism, not just whether the site "looks off"
5Assess thermal stress, derating, rack divergence, and any precursor behaviour that changes insurer posture
6Document telemetry gaps and evidence boundaries so the insurer conversation does not overclaim certainty
7Translate findings into insurer-grade language that can survive broker, OEM, owner, and underwriter scrutiny
8Decide the next move clearly: support, narrow, retest, remediate, or escalate
Operating posture
Scoped data handling
•Encrypted review workflow
•Customer-controlled deployment options
•Direct principal review