Insurance Overcharge: Which Premiums Your Landlord Cannot Pass Through to You

CAMAudit uses AI classification to categorize each insurance line item in your CAM reconciliation. CAMAudit's insurance overcharge detection rule distinguishes between standard property and liability premiums, which are generally pass-through eligible, and specialty coverage types that are commonly excluded: earthquake, flood, terrorism, environmental liability, directors and officers, umbrella policies above standard limits, and loss-of-income insurance.

CAMAudit cross-references identified insurance types against your lease's specific insurance provisions and exclusion list. When a line item matches an excluded category or an insurance type with no lease authorization, CAMAudit flags it as a potential overcharge with the specific policy type noted alongside the dollar amount.

CAMAudit generates a finding report identifying each flagged insurance type, the dollar amount billed, and the lease provision that does or does not authorize it. When the lease's insurance language is ambiguous, CAMAudit notes that ambiguity so you can request the actual policy documentation and evaluate coverage scope against your specific lease terms.