WEBVTT

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Start with business activity and the operating site.

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For fictional CoastalFoods, assume a site check identifies flood exposure and flooding could interrupt food processing.

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Known hazard and business sensitivity produce a red physical finding.

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Guidance four sends a red case to second-pass questions.

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Red means investigate, not reject.

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Assume transition exposure is unknown.

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The source legend defaults unknown responses to red to avoid false negatives.

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Request evidence rather than inferring safety.

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Ask the eleven second-pass questions.

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Assume CoastalFoods reports recent weather disruption.

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That remains red; insurance does not erase the recorded physical exposure.

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Assume a documented adaptation action.

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It can support a green governance finding, while physical concerns remain.

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This application requires supporting evidence for favourable findings.

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Arrange selective due diligence and independent risk review.

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Assign an owner and follow-up date.

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Completing the screening records the work; it is not credit approval.