ClaimZero — Development Intelligence Engine

PRE-DISPUTE PERFORMANCE OVERSIGHT

By the time a cost overrun hits a monthly draw, your equity return has already taken the hit.

A scored Project Risk Index delivered in one Weekly Intelligence Report every Monday at 7:00 a.m. Weeks-in-advance visibility protects equity returns, interest reserves, and loan completion tests before field delays erode yield. Built explicitly to safeguard the capital stack for developers, institutional boards, and construction lenders.

Acquisition → Sellout

Risk scored across the full development lifecycle

Independent Oversight

Monitored risk engine that holds the capital stack

Priced to your pro forma

Every flag tied directly to capital exposure

ClaimZero Weekly Development Intelligence Booklet

Weekly Intelligence Report · Prepared for the Owner

THE CAPITAL GAP

We don't compete for the jobsite.
We sit a level above it—in the seat that signed the debt.

Construction software tracks field spending for the contractor, but leaves major developers, universities, and lenders blind to underwritten pro formas and debt covenants. ClaimZero operates as an independent risk operating system—reading your live project data automatically to score the deal, defend equity returns, and sign an unalterable weekly record.

Axis	Construction Platforms	Owner Portfolio Tools	ClaimZero Monitored Intelligence
Primary Seat	The builder & contractor	The developer's internal team	The owner, independently
Baseline	Contract documents & schedule	The approved capital budget	The underwritten deal pro forma
Window	Pre-con through closeout	Concept through operations	Acquisition through sellout
Data Entry	Project field team	Your own internal staff	Nobody. Automated inference.
Primary Output	Status & compliance logs	Variance reporting	Scored index & signed record
Blind To	The deal economics & pro forma	Debt covenants & takeout tests	Zero exposure blindspots

Lifecycle Coverage

Your capital is at risk for months before a shovel hits the dirt.

ClaimZero scores the entire arc, mapping behavioral leading indicators to the individual seat. Contractor tools capture a single slice in the center. The return on your capital is decided on the ends.

Acquisition

Entitlement

Schematic

Design Dev

Pre-Con

Construction

Takeout

Sellout

ClaimZero Lifecycle — complete development coverage Standard project management tools live here → the grey slice

Acquisition & Underwriting

Capital at first risk

The pro forma is set here, and so is the first risk. ClaimZero pressure-tests the deal against its own assumptions: basis, carry, entitlement path, and the schedule the underwriting depends on. The objective is not only to build the right project — it is to get the right project into the ground as fast as legally and financially possible, because every avoidable month of carry before shovel is unrecoverable.

Entitlement & Approvals

Time is the exposure

Zoning, code, and agency timelines decide whether the underwritten schedule survives. Tracks objection aging, approval cadence, and the dependencies that stall a filing — surfacing the slow path before it becomes a year of carry the deal never priced.

Schematic Design

Program vs. budget lock

The first honest collision between what the deal underwrote and what the building wants to be. ClaimZero tracks program-to-budget reconciliation, area and efficiency drift, and the decisions deferred out of SD — the ones that reappear as cost in design development, when there is less room to absorb them.

Design Development

Cost gets committed

Most cost and schedule are committed before a shovel moves. ClaimZero watches scope creep against budget, design-decision latency, and the coordination gaps that harden into change orders the moment construction starts.

Pre-Construction & GMP

The number vs. the underwriting

Buyout is where the GMP meets the underwritten hard cost. Measures buyout variance, contingency adequacy, and long-lead exposure — flagging the trades and assumptions drifting from the budget the equity was raised against.

Construction

The divergence signal

The highest-value signal on the project: the gap between scheduled, billed, and verified percent-complete. Scores schedule velocity, change-order trajectory, and contingency burn against the underwriting — and reads the leading indicators of a claim weeks before it is filed.

Construction Takeout

The test the loan requires

The question the lender actually cares about: is the project on track to satisfy the completion and takeout test? Tracks the path to that test against interest-reserve burn — the single risk a construction lender feels as hard dollars, and one no construction tool is built to compute.

Certificate of Occupancy

The last mile that strands capital

TCO and CO are where a finished building still cannot earn. Monitors the closeout and sign-off path — the agency, inspection, and punch dependencies that keep capital idle after the work is effectively done.

Sales, Lease-Up & Sellout

Where the return is decided

The back end determines whether the deal made money. Scores absorption against pro forma, deposit and closing velocity, and offering-plan exposure — closing the loop back to the projections the whole thing was underwritten on.

How It Works

It reads what's already there. No one fills out a form.

ClaimZero operates as an automated inference engine. It reads across every data stream your project is already producing, scores participants objectively, and ranks exposures without distracting your team.

01 — CONNECT

Automated API Ingest

One 30-minute configuration links your stack. The platform pulls data from construction management platforms, CPM schedules, cost ledgers, and municipal agency portals.

02 — INFER

Inference Over Survey

The platform watches what they do, not what they self-report. It extracts role-attributable signals from RFI log clusters, submittal aging, ball-in-court latency, and platform-resident correspondence.

03 — CALIBRATE

Stage-Aware Rubrics

Every week treats the project differently. Concrete metrics shift automatically across lifecycle stages; a structural engineer's rubric matters during foundation pours, not during finishes.

04 — DELIVER

The Top Ten Risks

7 a.m.: A single, dense, 30-page Weekly Intelligence Report tracking 196 KPIs — the exact variables driven by financial exposure and trajectory. Distribute to your team and hit the risk target.

Under the hood sits the Development Intelligence Risk Engine™. By evaluating 22 risk areas, 31 live risk indicators across 152 aspect report cards and running over 1,550 deterministic algorithmic checks against live project records, it scores the documentation patterns that historically precede a claim weeks before an issue matures into a cost.

Weekly scorecards that depend on participation stop getting filled in. So ClaimZero asks no one to fill anything out.

ClaimZero eliminates participant data-entry friction entirely. Execution teams do absolutely nothing new. Every participant is scored, not surveyed. The owner's only input is an optional 15-minute weekly check.

The Deliverable

The Deliverable is the Report Card.

Not a portal your team must navigate or status software to untangle. One executive package delivered to your inbox at 7:00 a.m. every Monday. Our composite Project Risk Index grades the velocity and trajectory of anomalies — giving you complete capital clarity.

Risk Definition — Pinpoint root exposure Trend — Vector trajectory mapping drift direction Responsible Party — The individual personal seat Financial Exposure — Quantified dollar ranges hitting pro forma Recommended Action — Time-bound executive directions RYG Status — Color-coded flags sorting execution priorities

Recommended Action — Top 3 CommentaryEXPERT CALIBRATION LAYER

Contingency Allocation. Have the Owner's Representative audit change events over $50K immediately. Contingency burn is pacing 11 points ahead of baseline underwriting curves. Trajectory is our active threat.

Draw Verification. Verified percent-complete at the pencil walk trails contractor-billed logs by nine points. Reconcile with the lender's construction consultant prior to draw submission to protect funding cadence.

Takeout Security. Critical path delay threatens takeout facility completion test parameters. Convene a focused coordination session within 72 hours to evaluate recovery options before interest reserve erosion.

Contemporaneous, professionally reviewed metrics build a defensible record for capital partners, boards, and lenders.

See a worked example — four findings on an $84.5M development →

Capital Alignment

The Break-Even Metric

ClaimZero is priced to protect the capital stack. By catching critical-path divergence early, the entire multi-year engagement is offset by preventing a fraction of a single month's delay.

Project Value	Fitted Construction Duration	Peak-Phase Carry (Daily)	Break-Even (Days of Delay Avoided)
$50M	21.4 months	$11,300 / day	30.3 days
$100M	24.3 months	$21,869 / day	21.6 days
$250M	28.8 months	$52,575 / day	16.5 days
$500M	32.7 months	$102,402 / day	15.3 days
$1B	37.2 months	$199,947 / day	15.4 days

*Break-even represents the ratio of the total engagement fee against daily peak carry. Carry models assume an S-curve drawdown and 30% day-one land takeout. A single caught exposure effectively zeroes out the cost of the platform.

PLATFORM GRAPHICS SHOWCASE

Built for the capital. Verified by evidence.

Explore how ClaimZero visualizes live project posture, document intake, and development curves across your entire portfolio.

Portfolio Command Center

Real-time risk scoring, equity requirement tracking, and loan covenant monitoring across your book of assets.

The Development Curve

Four series, one contract, one clock: catching the gap between billed, physical, and loan-drawn progress.

Document Intake Engine

Strict 60% coverage floor. Every uploaded item is verified and scored against the project record without manual entry.

Aspect Register & Report Room

31 aspect categories evaluated weekly, producing court-grade evidence records and 30-page intelligence packages.

What It Measures

Four vectors of intelligence. One of them sits outside what construction software is built to reach.

The inference layer continuously scores data modules rolling into four macro domains. Three track execution data. The fourth captures the capital stack itself — the metrics field platforms cannot track.

The differentiator

Financial Intelligence

The deal beneath the project

The owner-side financial wrappers that live entirely outside of standard project-management software.

Underwritten pro forma baselines & soft cost variables
Anticipated Cost Reports (ACR) & trade-by-trade budget drift
Contingency depletion pacing vs. allocation velocity
Loan draw cycle timelines, lender inspect lags, and interest reserves

Execution Intelligence

Seat-level performance

Role-attributable indicators pulled from platform activity logs, measured directly against stage-aware rubrics.

RFI cluster metrics and submittal turnaround velocity by seat
Change-event trajectory and documentation risk alerts
Daily report completeness and trade contractor manpower loading
Special inspection outcomes and non-compliance tracking

Schedule Intelligence

Time vs. the Underwriting

Not simple field schedule tracking — schedule health analyzed directly against the parameters the asset was financed on.

Critical path variance, negative float, and compression trends
Stage-gate transition milestones triggered by field conditions
Divergence between scheduled, billed, and verified percent-complete
Takeout facility timeline constraints and path to completion test

Capital & Sales Intelligence

How the capital comes back

The back-end performance variables that dictate deal returns — completely invisible to tools that stop at physical build closeout.

Sales/leasing absorption velocity versus underwritten pro formas
Condominium offering plan acceptance and amendment risk indexes
NY Statutory 15% effective threshold tracking parameters
Refinance watch triggers and tour-to-LOI conversion speed

Why We Win

Built backward from outcomes, not forward from theory.

Most risk models are built forward, from theory. This engine was built backward, from outcomes.

Four decades spent moving through every seat in the development life cycle — civil engineer, construction manager, builder, developer — followed by years spent being called in after the fact as an expert witness to determine what went wrong on someone else's project, and when it became inevitable.

That forensic practice is the key: walking a failed project backward from the consequence to the first signal that predicted it. ClaimZero's rubrics are that backward walk, run forward. Every rubric in the engine traces to a specific event on a real project. The calibration is encoded, versioned, and applied to a published methodology.

Founder & Advisory Lead

Civil Engineer · Construction Expert · Developer · Expert Witness

An expert practice grounded in research dating back to 1988. By converting decades of claims pattern recognition into a repeatable, software-encoded methodology, the platform delivers senior forensic oversight on every cycle without depending on one person in the room.

40+ Yrs

Sustained Research

$4.2B

Built & Managed

7M SF

COMPLEX MULTI-USE HIGH-RISE

Founder As Seen On Media Appearances

Built For

The parties who carry the risk — and the ones who protect it.

ClaimZero delivers asymmetric risk protection for private developers, university capital improvement programs, and real estate investment sponsors.

Private Developers & Owners

Research shows average US disputes exceed $56M and 12 months in delay. Protect equity returns against carry clock slips and unpriced trade changes.

Higher Education Programs

With US higher-ed carrying $156/sq.ft. in deferred capital renewal backlogs, ClaimZero provides rigorous trustee-level governance over complex capital programs.

Construction Lenders

Independent risk validation supporting monthly inspector draw decisions and covenant enforcement.

Owner's Representatives

A unified operating system replacing spreadsheet sprawl with institutional, verifiable records.

Construction & RE Counsel

Contemporaneous documentation files that can be structured under counsel direction to manage risk exposure long before dispute maturity.

Equity Partners & LPs

Transparent portfolio monitoring built separate from developer narratives, tracking true completion test readiness.

You signed the guarantee. You were told about the report last.

By the time a cost overrun hits a monthly draw, your equity return has already taken the hit.

We don't compete for the jobsite. We sit a level above it—in the seat that signed the debt.

Your capital is at risk for months before a shovel hits the dirt.

Acquisition & Underwriting

Entitlement & Approvals

Schematic Design

Design Development

Pre-Construction & GMP

Construction

Construction Takeout

Certificate of Occupancy

Sales, Lease-Up & Sellout

It reads what's already there. No one fills out a form.

Automated API Ingest

Inference Over Survey

Stage-Aware Rubrics

The Top Ten Risks

The Deliverable is the Report Card.

Worked Example — Four Findings on an $84.5M Development

Four Findings That Protected $2.1M–$4.0M in Capital Exposure

The Break-Even Metric

Built for the capital. Verified by evidence.

Portfolio Command Center

The Development Curve

Document Intake Engine

Aspect Register & Report Room

Four vectors of intelligence. One of them sits outside what construction software is built to reach.

The deal beneath the project

Seat-level performance

Time vs. the Underwriting

How the capital comes back

Built backward from outcomes, not forward from theory.

The parties who carry the risk — and the ones who protect it.

Private Developers & Owners

Higher Education Programs

Construction Lenders

Owner's Representatives

Construction & RE Counsel

Equity Partners & LPs

Put your next development asset on pre-dispute performance.

We don't compete for the jobsite.
We sit a level above it—in the seat that signed the debt.