Loss Control Inspection Recommnedations
Most insurance companies will order a loss control inspection to be completed when insurance is first written with that carrier. It is the right of the insurance carrier to inspect the property when a policy is first written and again, at a later date. The purpose of this inspection is to determine if there are areas of an association that could lead to a claim.
Loss control inspections are a normal part of the insurance process and are beneficial to associations. After an inspection, an association may receive some recommendations that are mandatory in order to write the insurance policy, others are merely suggestions on ways the board can improve the property.
The following are a few examples of common things loss control inspectors may recommend:
- Making sure all downspouts do not direct water onto paved surfaces. This could create a slip and fall exposure.
- Recommending playground equipment be set up on a soft surface such as wood chips or sand. This could prevent an injury if someone falls off the equipment.
- Swimming pools where the rules and hours are clearly posted, life safety equipment readily available, pool depths clearly marked, fenced in and locked after hours, and lights kept on at night.
- Making sure grills are positioned far enough away from any structure.
- Inspecting roofs, decks, siding, driveways to make sure they are all in good repair.
- Ensuring the sprinkler system is tested and up to date.
- Locking any fitness center to prevent unauthorized/unsupervised use.
The loss control inspector will make contact with a board representative of property manager prior to an inspection. After an inspection is completed a letter will be provided with any recommendations that they think should be addressed. The letter will usually include a date that compliance or a response to the recommendations is expected. The loss control inspection process helps associations minimize risk exposures. They also give the insurance carrier a clearer picture of the property they are insuring.