How to Prepare Your Client for Inspections
If your client is expecting an inspection, preparing in advance can greatly improve the experience and outcome. Provide them with the following information to ensure they are well-equipped for the visit.
Why the inspection is needed
The insurance carrier ordered an inspection to verify property details and check for any safety concerns. It's a normal part of the process, not a cause for alarm.
What to have ready for the inspection
A knowledgeable contact available on-site (owner, property manager, or maintenance staff)
Access to interior and exterior areas
Basic property records: year built, any updates to electrical, plumbing, HVAC, or roofing
Maintenance logs for fire protection systems (extinguishers, sprinklers, alarms)
How long will the inspection take
Most inspections wrap up in about an hour, depending on property size. Make sure the client has everything in bullet two prepared for a streamlined inspection.
What the inspector is looking for
They'll typically review building systems (electrical, plumbing, HVAC), check fire protection equipment, and assess common liability concerns such as lighting, exits, handrails, and slip/trip hazards. They'll also take photos to document conditions.
What to expect afterward
The inspector submits a report to the carrier. If any issues come up, your client may receive a recommendation letter. There are two types:
Critical recommendations need to be addressed within 30 days. These involve conditions that the carrier considers to be significant risks. The insured must make the required changes and submit Proof of Compliance.
Advisory recommendations are suggested improvements. They're not required right now, but the carrier can require them later.
Learn more What is the difference between Critical and Advisory Recommendations?
Potential Cancellation
Although not common, findings such as a vacant building, outdated wiring (e.g., knob-and-tube or Federal Pacific panels), or major structural damage may prompt the carrier to take immediate action under the policy, including cancellation. Learn more about Notice of Cancellations
Questions?
Encourage your client to reach out to you before the inspection if they have concerns. You can also contact Pathpoint directly at ops@pathpoint.com if something unexpected comes up.
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