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Survey Purpose

To conduct an effective and beneficial risk analysis, inspectors understand the significance and end-use of a survey.  The survey is a critical element used to determine the degree of insurability of a given risk.   The function of the UIC field inspector is to conduct this survey and provide to underwriters a report which accurately describes the nature of the risk property and/or operations.

Field inspectors are knowledgeable of construction terms and building guidelines, aware of accepted safety codes, and most importantly are able to implement practical techniques in hazard recognition and methods of eliminating or reducing particular hazards/exposures.

UIC field inspectors are cautioned against pursuing completion of surveys if the insured or prospective insured is hesitant to allow such a survey.  In such cases, a narrative report indicating the wishes of the insured that the survey not be conducted are submitted. All reports are objective and concise.

The bottom line on all of this is as follows:

• We put ourselves in the position of the underwriter who must read the report.  It is clear and readable.  The underwriter gets a feel of the individual characteristic of the risk.
• We put ourselves in the position of the insured.  Is it a fair and honest representation of the property/operations.