A sudden doubling of insurance costs on your CAM reconciliation could reflect a genuine market increase, but it can also hide overcharges. Common problems include the landlord passing through insurance for coverage that benefits only the landlord, allocating the full premium to tenants when the lease limits the recoverable portion, or bundling liability coverage that your lease excludes. CAMAudit isolates the insurance component and checks it against your lease terms.
TL;DR
Insurance is typically one of the largest CAM line items; a doubling can add thousands to your annual costs, making it well worth verifying that only permitted charges are included.
Who this is for
Tenants whose CAM reconciliation shows insurance premiums that doubled or increased dramatically year over year and want to verify that only lease-permitted insurance costs are being passed through.
Who this is not for
Tenants on a gross lease where insurance is included in base rent, or tenants in areas affected by a well-documented insurance crisis where the increase tracks published regional rate changes.
Insurance Overcharge
CAMAudit flags insurance charges that exceed lease-permitted types of coverage, identifies premium increases that are disproportionate to the market, and checks whether the landlord is recovering more than the lease allows.
Excluded Service Charges
The scan cross-references insurance line items against your lease exclusion list to identify coverage types (earthquake, flood, terrorism, loss of rents) that your lease specifically excludes from tenant recovery.
Upload two PDFs. 14 detection rules. Under 15 minutes. Free.
Next Best Step
Scenario pages should bridge from diagnosis into the dispute path and audit proof.
Use the audit process if you still need to validate the billing error.
Use the dispute playbook if the issue is already active.
Run the free audit once you are ready to quantify the overcharge.
Ready to skip the reading and document the overcharge directly?
Find My OverchargesNeed to extract lease terms before your audit?
A CAM audit is only as accurate as your lease data. lextract.io extracts 126 structured fields from any commercial lease PDF: CAM definitions, pro-rata share, caps, base year, and audit rights. So you have the exact terms your landlord is supposed to follow.
Go to lextract.ioThis page provides general educational information. It is not legal advice and may not reflect the most current law in your state. Consult a licensed attorney for advice specific to your situation.
