Platform
Submission in.
Decision out.
eQuality takes a property submission and produces a scored, tiered, action-mapped output - with full domain decomposition, evidence provenance, and a structured decision record - all in a single workflow.
Due Diligence
Context
Read-only - submitted by broker
Property
Name
Hargrove Industrial
State
OH
Address
2840 Lakeside Industrial Pkwy · Cleveland
Parcel ID
CUY-2024-0471-B
Intake Summary
Owner
- ✓
Owner Email
m.delacroix@
hargroveind.com
hargroveind.com
Broker
- ✓
Broker Email
t.wren@
axisenvironmental.com
axisenvironmental.com
Inspection Date
March 14, 2026
Environmental Context
Concerns
Historic metal finishing operations on-site through 1991. Prior Phase I identified RECs related to solvent use. No Phase II conducted. Operator reports no known active contamination.
eQuality score
Computed from submitted intake data
e
512
Tier 5 - Severe
Action ·
DECLINE
Domain Decomposition
RR · Regulatory
68
CL · Contamination
55
RM · Remediation
60
SC · Site context
75
OR · Operator
48
DU · Data uncertainty
40
Decision
Underwriter notes + action
Notes
0/500
Reasoning, conditions, follow-ups…
Approve & Propose →
Decline
Underwriter actions are logged and recorded against this submission. Both outcomes are retained for review.
How it works
Three panels.
One decision.
Every submission moves through the same structured workflow - context in, score computed, decision recorded. Nothing is unlogged. Nothing is unversioned.
Panel 01
Context
Property and intake data submitted by the broker - read-only from the underwriter's view. Parcel ID, address, ownership, and environmental context are locked at submission and cannot be modified downstream.
Property address + parcel ID
Owner + broker identity
Environmental context flags
Inspection date (if available)
Panel 02
eQuality Score
The score is computed from the submitted data using the scoring formula. Domain decomposition shows the contribution of each risk area. The output is deterministic - the same inputs always produce the same score under the same model version.
e[score] on 300–850 scale
Risk tier + capital action
Six domain scores (RR, CL, RM, SC, OR, DU)
Model version + hash
Panel 03
Decision
The underwriter records reasoning and selects an action. Both outcomes are logged and the submission state updates accordingly. Every decision is retained and traceable.
Underwriter notes (up to 500 chars)
Approve & Propose or Decline
Immutable audit log entry
Submission state transition
Submission States
Every submission has
a clear state
No submission sits in an undefined state. Every stage is named, logged, and traceable to the action that caused it.
Intake
Submission received. Property and broker data locked. Awaiting score computation.
Due Diligence
Score computed. Under active underwriter review. Decision pending.
Proposal Sent
Underwriter approved. Score frozen. Proposal routed to broker.
Declined by UW
Underwriter declined. Decision recorded with notes.
Closed
Submission resolved. Full audit trail preserved and retained for review.
Score Output
What every score
includes
Every issued eQuality score carries a complete set of structured outputs - not just a number.
eScore + Risk Tier
The external score on a 300–850 scale, formatted as e[score], with a risk tier classification (Tier 1–5) and a capital action: proceed, reprice, escalate diligence, or decline.
Domain Decomposition
Individual scores across all six risk domains - Regulatory, Contamination, Remediation, Site Context, Operator, and Data Uncertainty - showing the contribution of each area to the final score.
Confidence Level
A data quality signal - High, Moderate, or Low - reflecting the completeness and reliability of the underlying evidence. Separate from the score value.
Evidence Posture
A breakdown of activated scoring inputs by evidence tier - showing whether the score is driven by authoritative Tier 1 records or lower-tier inferred signals.
Tail Overlay Flags
Structured metadata flags for latent risk exposures - including emerging contaminants and plume migration - for downstream actuarial analysis and reserving decisions.
Immutable Audit Record
Every score is issued with a timestamp and hash. Decisions are logged and retained. Historical scores are never retroactively modified.
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