Inspecting a home, automobile, or other property for hazards or damages and writing a report about the findings is common practice for insurance companies. This is usually done in specific circumstances, such as when buying or selling a home, claiming damage to commercial or personal property, or filing an automobile damage claim. Inspectors are employed a variety of companies to perform various insurance inspector jobs, which require the inspector to travel to the location, take photos, and write a detailed summary of the inspection.
A home insurance inspector is a type of insurance inspector who specializes in residential inspections and typically works as an independent contractor. Home inspectors are frequently requested insurance companies before issuing a homeowners’ insurance policy. When a house has been foreclosed on, a bank may hire a home insurance inspector so that the house can be relisted at an auction or a private realtor with any defects and flaws noted. When someone wants a comparative market analysis of other homes in the neighborhood, mortgage companies will also hire a home insurance inspector. Renters who are interested in a rental property insurance policy can hire a home insurance inspector to come out and inspect the apartment or home they are renting, as well as the personal belongings they want to insure.
A commercial property insurance inspector is another type of insurance inspector who is hired insurance companies to inspect buildings. The insurance inspector’s job entails entering buildings and inspecting them for hazards and defects, as well as ensuring that the property complies with the insurance company’s property and liability insurance guidelines. Commercial buildings, apartment buildings, shopping centers, and industrial buildings are all inspected these insurance inspectors.
Another type of insurance inspector is a fraud insurance inspector, who examines claims for damage to vehicles, homes, and commercial properties to see if they are legitimate or if fraud has occurred. These inspectors are hired insurance companies to photograph the damages, check for pre-existing damage, and look into whether the person has filed similar claims for the same thing in the past. Fraud investigators may also look into claims for stolen or damaged insured items like diamond rings, antiques, and valuable artwork.
The inspector’s main goal, regardless of the different insurance inspector jobs, is to prevent major losses from property or items that do not meet the insurance company’s requirements, as well as to investigate possible fraudulent claims. Insurance companies incur significant losses as a result of these types of claims throughout the year, and they rely on the inspectors to provide adequate reports so that the adjuster can make an informed decision about whether to accept or deny the claim. The inspector must be knowledgeable in conducting inspections, whether they are for an automobile, a building, or a damaged merchandise claim, as well as properly trained in writing inspection reports and able to provide evidence in the form of digital photos and diagrams if necessary.