How does Pathpoint handle inspections?
Inspection Results & Next Steps
Overview
When you bind a policy through Pathpoint, the carrier may order a loss control inspection. This is standard practice in commercial insurance as it helps the carrier verify property details and spot any risks that could affect coverage. Agents are able to see the status of inspections and reports within app. Take a look at what to expect.
Listing an Inspection Contact
When requesting to bind a policy, you'll be prompted to provide contact information for someone who will be on the premises during the inspection, including an email address and phone number. Keep the box checked if the inspection contact information should match the insured's contact information.
What Triggers an Inspection
Inspections are most commonly ordered for new business, at every 3rd renewal (4th policy term) unless carrier requests an additional inspection before then
Who conducts the inspection?
Pathpoint works with professional inspection vendors (like Mueller Reports and SCI Inspections) to handle this on the carrier's behalf. Field personnel are trained and equipped to document properties using mobile technology.
Scheduling the Inspection
The vendor reaches out directly to the property contact or insured to schedule a visit. For properties that need interior access, this is coordinated in advance. Some inspections may be completed virtually via livestream video.
All our vendors are required to contact the insured at least 3 times 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: CS_Mueller@mullerreports.com ; 1-800-565-6063
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 of a property, including structural integrity, roofing, electrical systems, plumbing, and HVAC systems. For contractor risks, if no job site is available, the inspection will be conducted by phone.
Next Steps: Learn more on How to Prepare Your Client for Inspections
Virtual Inspections
Some carriers use livestream virtual inspections as an alternative to in-person visits. The insured receives a link via text, connects with an inspector over live video, and walks them through the property using their phone. No apps are installed, and photos aren't saved to the insured's device. The result is a report comparable to an on-site inspection, typically faster and at lower cost.
Agents will see this message in-app before the inspection.
In-app notifications under Recent Activity Panel
Inspection Results & Next Steps
Agents will receive a notice in-app that the inspection results are ready. Agents can download the report, any recommendations, and upload proof of compliance within the app. Inspections can result in multiple outcomes:
All Clear: There are no discrepancies or outstanding recommendations. You will be able to download all documents. No further action is required.
Recommendations: The inspection report may identify changes the carrier requires to comply with the appetite and scope of coverage. These are either:
Critical: High-risk conditions that must be corrected within 30 days. Non-compliance can affect the policy. Insured individuals have 30 days to implement these recommendations and upload proof of compliance via the in-app form.
Advisory: Suggested improvements. Not required right now, but the carrier can make them mandatory mid-term or at renewal.
Next Steps: Learn more about uploading Proof of Compliance.
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 some cases, like vacant properties, certain types of outdated wiring, or significant structural issues, findings can trigger immediate carrier action, including a notice of cancellation.
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 reopened file.
You must reschedule the inspection before the original cancellation date specified in the NOC to avoid cancellation.
Upon completion of inspection, the nonproductive NOC is rescinded. A new NOC for noncompliance is issued if the recommendations are not addressed within 30 days of issuance.
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.
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 the inspection contact subject to carrier requirements.
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’s property, 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. Common 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)
Related Articles
How does Pathpoint handle renewals?
Who can I contact if I have questions about compliance?
How to Prepare Your Client for Inspections