What should I do if my client receives a Recommendation after inspection?
What to Do After a Recommendations Status
How to Send Proof of Compliance
Overview
Recommendations are advisories from the inspector about conditions that put a risk outside the carrier’s standard underwriting guidelines if not corrected. Some common examples include:
Safety Hazards: exposed wiring, blocked fire exits, missing handrails
Property Maintenance Issues: Damaged or leaking roofing, overgrown vegetation, unstable structures
Required Installations: Fire extinguishers or smoke alarms, exit signage or emergency lighting, security systems (where required)
Business Operations Compliance: Incorrect business usage classification, missing or expired business licenses, unapproved tenant activities
What to Do After a Recommendations Status
The agent (on behalf of the insured) is responsible for submitting documentation showing the issue has been resolved. You will be asked to upload Proof of Compliance for issues that would lead to the risk to fall outside the carrier's appetite.
The insured has 30 days from the inspection report date to resolve all compliance issues which you can email to your Compliance Representative or upload in-app. Ensure to:
Review and respond to each recommendation in writing
Submit photos, receipts, invoices, or signed statements
Include the attached carrier letter signed by the insured
Return documentation by the due date listed in the letter
If documentation is not received by the deadline, a Notice of Cancellation (NOC) will be issued to the insured.
How to Send Proof of Compliance
You can upload documentation directly in the Pathpoint app under Policy Maintenance and then click on 'Upload Proof of Compliance.' You may also submit it to your Compliance Representative. Acceptable proof includes:
Clear photographs showing the resolved issue
Receipts or invoices for work performed
A written or signed statement from the insured confirming resolution
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