Probable Maximum Loss

Probable Maximum Loss (PML) analysis is a critical component of risk management and claims handling. CSI Group assists insurance carriers, self-insured entities, and risk managers with PML assessments that inform key financial decisions.

Our PML services assist with:

• Reserve establishment and adjustments for open claims
• Co-Insurance Penalty analysis and calculations
• Depreciation assessments for Actual Cash Value determinations
• Replacement Cost Value vs. Actual Cash Value evaluations
• Catastrophe loss projections and exposure analysis

Accurate PML analysis enables carriers to set appropriate reserves, identify potential co-insurance issues early, and manage their exposure effectively. CSI Group’s deep experience with property losses of all sizes ensures that our PML assessments reflect real-world conditions, not just theoretical models.