How does Pathpoint handle inspections?
Overview
Pathpoint's carriers require us to order inspections and address their findings with our agents for some policies. Agents are able to see the status of inspections and reports within app. Take a look at what to expect.
Inspection Contact
When requesting to bind a policy, you'll be prompted to provide contact information for someone who will be on the premises while the inspection takes place, providing both an email and a phone number. Keep the box checked if the contact information for the inspection should be the same as the insured's contact information.
Scheduling Inspections
The inspection contact is contacted directly by the inspection company; to keep inspection scheduling streamlined, agents are not encouraged to reach out to the inspection vendor. Pathpoint partners with Mueller and SCI to carry out inspections. All our vendors are required to contact the insured at least three times to attempt to schedule an inspection within 30 days of the policy being bound. If a vendor is unable to reach the insured directly, they will contact the agent listed on file.
Agents can reach out to the following contacts with questions:
Note: The inspection company will reach out to set up the inspection.
Mueller: customerservice@muellerreports.com
States: AL, CT, DE, IA, IL, IN, MA, MD, MI, MN, MT, NE, NH, NJ, NY, OR, PA, RI, SD, TX, VT, WI, WV, WY
SCI: service@sciinspection.com
States: AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, KS, KY, LA, MA, MD, ME, MO, MS, NC, ND, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, UT, VA, VT, WA
In some instances, an inspection may not be required. You will see a message in-app.
Inspection
The inspector will conduct a walk-through of the property or business, take photos, and may conduct due diligence research to identify potential environmental hazards or safety issues. Inspections cover key areas, including structural integrity, roofing, electrical systems, plumbing, and HVAC systems, for a property. For contractors' risks, if no job site is available, the inspection will take place by phone.
Virtual Inspections
In rare instances (typically in remote locations), Pathpoint's inspection vendors may conduct a virtual inspection, where the inspector conducts a video call with the insured to review the property. If the insured is unwilling or unable to complete a virtual inspection, please let us know at ops@pathpoint.com so we can make alternative arrangements.
Agents will see this message in-app before the inspection takes place.
In-app notifications under Recent Activity Panel
Inspection Results
Agents will receive a notice that the inspection results are ready in-app. Agents can download the report, any recommendations, and upload proof of compliance within app. Inspections can result in multiple outcomes:
Outcomes & Next Steps
Inspections can result in multiple outcomes and will be displayed at the top of the page:
All Clear: There are no discrepancies or outstanding recommendations to address. You will be able to download all documents. No further action is required.
Recommendations: The inspection report may identify changes that the carrier requires in order to comply with the appetite and scope of coverage. Recommendations are available to download through the app. Insured individuals have 30 days to implement these recommendations and upload proof of compliance via the in-app form. Learn more about uploading Proof of Compliance. Common examples include servicing fire extinguishers and repairing cracks in walkways.
Discrepancies: The inspection report may reveal discrepancies between the inspected property and the information submitted to Pathpoint on the application (for example, the building may be older than indicated).
Pathpoint will ask you to review any discrepancies with the insured and optionally provide them with the opportunity to dispute these issues by uploading clarifications via the proof of compliance form in-app within seven days. Learn more about uploading Proof of Compliance.
After this review, Pathpoint will either endorse or cancel the policy as required by our insurance carriers.
Notice of Cancellation: In certain cases, inspection findings may require an immediate cancellation of coverage. For example, if a building is old enough that it falls outside of the insurance carrier's acceptable criteria, or if it contains prohibited electrical panels—such as Zinsco, Federal Pacific, knob and tube wiring, and others—Pathpoint will begin the cancellation process. An operations associate will reach out via ops@pathpoint.com to confirm details.
Agents will see the policy has been cancelled in-app
Uploading Proof of Compliance
Insured parties have 30 days to submit photographic evidence of compliance to comply with recommendations. If we do not receive this proof within 30 days, we will begin the cancellation process. Agents can upload the Proof of Compliance directly in-app.
Policy Management
Select Upload Proof of Inspection
Select the policy
Upload files and click submit
You will either receive a confirmation message stating, Proof of Compliance Received, or a message indicating, Insufficient Proof of Compliance, along with notes from the underwriter if more information is needed.
Insufficient Proof of Compliance
Non-Productive Inspections
All inspection vendors associated with Pathpoint are required to contact the insured three times and reach out to the agent via both phone and email before closing the account as non-productive.
Once we receive a non-productive notice, we will issue a 30-day Notice of Completion (NOC). Agents will receive a notification and can download the report through the app.
If you would like to reopen the inspections process, please contact our operations team at ops@pathpoint.com. Keep in mind that to reopen:
We do not rescind the NOC. It remains open, and we’ll note the file that’s been reopened.
You must reschedule the inspection before the original cancellation date specified in the NOC to avoid cancellation.
The inspection must be completed, and any recommendations cleared.
FAQs
Who should I contact if I have questions regarding inspections and cancellations?
If you have any questions, please email ops@pathpoint.com with the policy name and number.
How will I know if an inspection is required for a policy?
A message will appear in-app before the inspection, which you can track inspection status in the Recent Activity Panel.
Who schedules the inspection and do I need to coordinate it?
Agents should not reach out to the inspection vendor; the inspection company (Mueller or SCI) will contact the inspection contact directly.
What happens if the inspection company can’t reach the insured?
The vendor will escalate and attempt to contact the agent listed on file. If unsuccessful, the inspection may be marked non-productive and trigger a Notice of Cancellation.
Can I change the inspection contact after binding the policy?
Send an email to ops@pathpoint.com to request any changes.
What if no job site is available for a contractor’s policy?
The inspection will be conducted via phone interview with the insured or inspection contact.
What do the different inspection outcomes mean?
All Clear: No issues found; no further action needed.
Recommendations: Changes need to be made to fit carrier guidelines. Action required by the insured within 30 days.
Discrepancies: Conflicting info found during inspections vs what was listed in the application; Agents should review with the insured and optionally upload clarifications within 7 days.
Notice of Cancellation: Severe findings (e.g., prohibited electrical panels) result in immediate cancellation.
How much time does the insured have to fix the issues listed?
30 days from the inspection report date to correct and upload proof.
What does "compliance required" mean?
During the inspection of the insured property (which could be post-binding or pre-renewal), the carrier or underwriting team identified conditions that must be corrected to maintain coverage. The agent (on behalf of the insured) must submit documentation to demonstrate that the issue has been resolved. You can upload proof of compliance easily in-app.
What are common reasons compliance may be required?
Agents may need to submit proof of compliance for any found issues that do not match what was listed in the original submission. Come items include:
Safety hazards (e.g., exposed wiring, lack of handrails, blocked fire exits)
Property maintenance issues (e.g., damaged roofing, overgrown vegetation)
Required installations (e.g., fire extinguishers, smoke alarms, signage)
Business operations compliance (e.g., licenses, usage clarification)
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