Common Property Inspection Findings

Overview

Recommendations

Direct Notice of Cancellation

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Inspections may also result in risk recommendations. Depending on the type, these can be Critical or Advisory:

• Critical: High-risk conditions must be corrected within 30 days. Non-compliance may affect the policy. The insured has 30 days from receipt of recommendations to comply and avoid cancellation.

• Advisory: Compliance is not required to retain coverage, but the carrier may choose to enforce it mid-term or at renewal. These lower-risk items are recommended to reduce overall risk exposure.

Common recommendations found in property inspections include but are not limited to:

• Annual fire alarm testing

• Annual fire extinguisher servicing

• Annual fire sprinkler servicing

• Annual hood and duct cleaning

• BBQ grills on deck

• Damaged siding

• Downspouts discharging on foundation

• Excessive grease on hood filters

• Exterior and interior housekeeping (severe)

• Fire suppression system not covering the cooking line

• Insufficient or no fire extinguishers

• Missing smoke detectors

• No splash guard between deep fryer and open flame

• Roof deterioration

• Seismic shut off valves (CA)

• Tree trimming

Once the insured complies with the recommendations, you can upload proof within the portal. Learn more about Uploading Proof of Compliance.

Some recommendation findings will result in immediate cancellation, or a Direct Notice of Cancellation (DNOC). This means that a 30-day NOC will be issued upon receipt of the risk report.

Common reasons for a DNOC include but are not limited to:

• Evidence of cracks in walls, flooring/ceiling holes, broken windows/doors, broken stairs, damp, mold growth, or animal infestation

• Galvanized plumbing

• Ongoing renovation

• Pre-existing damage

• Prohibited electric breaker panels, including Challenger, Federal Pacific, Zinsco, Pushmatic, and Square D Panels from 1988, 2004, 2006 & 2022

• Prohibited electrical types include fuses, aluminum wiring, knob and tube wiring, and pig-tailed wiring

• Vacancy (not applicable to vacant building policies)

• Year built prior to 1930 (specific to Vave)

If your client receives a DNOC, contact your Service Representative to discuss next steps and alternative coverage options.

How does Pathpoint handle inspections?

What should I do if my client receives a Recommendation after inspection?

Who do I contact for policy or service questions?

What do the Action Item Statuses mean?