A professional verifying a home's risks has two paths: do it by hand, viewer by viewer, or rely on a tool that automates it. Neither is "the right one" for every case. This honest comparison explains when each pays off for agencies, valuers and brokers.

Manual due diligence: full control, a cost in time

Doing it by hand means opening the SNCZI, the CSN radon map, NCSE-02, the noise maps, the SIU and the Cadastre headquarters for each home. Upside: total control and zero tooling cost. Downside: a lot of time per file, dependence on each person's knowledge and no single document. At low volume it is viable; across several simultaneous deals, it does not scale.

Automated due diligence: repeatable and deliverable

Automating it with a tool like Hogarfax means generating a home's report from its cadastral reference, with the data already aggregated, interpreted and in PDF. Upside: speed, repeatability and a consistent document for every deal. The cost is the service, and the source remains official and verifiable.

When to choose each

  • Manual: if you are doing a one-off check, you know the official viewers well and the volume is low.
  • Automated: if you handle several deals, value consistency and need a deliverable for the client or the file.
  • Mixed: use the automated report as a base and go deeper by hand only on the critical points of each case.
Context: why agencies add risk reports and Hogarfax for valuers and brokers.

Automate the repeatable part of your due diligence

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Fuentes

1
MITECO — National Flood Zone Mapping System (SNCZI) · Official mapping
www.miteco.gob.es/es/agua/temas/gestion-de-los-riesgos-de-inundacion/snczi.html
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