Richard Sweet

What he advises on

Richard focuses on the full chain of risk a property owner carries: how a building is owned and structured, how it is financed and what lenders require, how leases transfer risk to tenants, how a building is valued and insured to rebuild, the catastrophe exposures that vary by state, and what actually happens when a loss hits. The through-line is translating insurance, lender, and lease complexity into plain-English decisions.

How he works

Independent and owner-first. That means representing the client rather than a single carrier, routing each account to the markets that fit the building, and being honest about fit, including saying so when a property is better served elsewhere. The same standard runs through the learning center: every article is written to help an owner make a real decision, and reviewed before it publishes.

About the learning center

The guidance across this site, the commercial property owner learning center and the real estate investor learning center, is written and reviewed by Richard. It is general education, not a substitute for advice on your specific situation, which is what a coverage review is for.