Insurance inspectors inspect homes, automobiles, and other properties for hazards or damage and write reports. They may work as independent contractors and inspect properties before issuing insurance policies or investigating claims for fraud. Inspectors must be knowledgeable and provide evidence such as photos and digital diagrams.
Insurance companies often send inspectors to inspect a home, automobile, or other property for hazards or damage and write a report on the findings. This is usually done in specific situations; for example, when someone is buying or selling a home, claiming damage to commercial or personal property, or filing an automobile damage claim. Several companies employ inspectors to perform different insurance inspector jobs and require the inspector to travel to the location and take pictures as well as write a detailed summary about the inspection.
One of the different insurance inspector jobs is a home insurance inspector who provides home inspection services and typically works as an independent contractor. Insurance companies often ask inspectors to inspect a home before issuing an insurance policy to homeowners. Banks sometimes retain a home insurance inspector when a house is foreclosed on so that the bank can search it at auction or by a private realtor, with all defects and flaws noted. Mortgage companies will also get a home insurance inspector to do a comparative market analysis when someone wants to get an analysis of another house in the neighborhood. Renters interested in a rental property insurance policy can ask an insurance inspector to inspect the apartment or house they are renting, along with any personal items they wish to insure.
Another type of insurance inspector is a commercial property insurance inspector hired by insurance companies to perform building inspections. As part of these insurance inspector jobs, the inspector enters buildings and checks them for scratches and defects, as well as ensuring that the property complies with the insurance company’s property and liability insurance guidelines. These insurance inspectors do inspections on buildings like commercial buildings, apartment buildings, shopping malls and industrial buildings.
Fraud insurance inspectors are also another type of insurance inspector job, and they inspect damage claims to vehicles, homes, and commercial property to determine if a claim is legitimate or if fraud has occurred. Insurance companies have these inspectors photograph the damage, check for pre-existing damage, and investigate whether the person has filed similar claims in the past for the same thing. Fraud inspectors may also investigate claims for lost or damaged insured goods, such as diamond rings, antiques and valuable works of art.
Regardless of the insurance inspector’s different jobs, the inspector’s main objective is to prevent major loss of property or items that do not meet the insurance company’s requirements and to investigate possible fraudulent claims. Insurance companies suffer huge losses throughout the year due to these types of claims and rely on inspectors to provide adequate reports so that the adjuster can make an informed decision to accept or deny the claim. The inspector should be knowledgeable in conducting an inspection whether it be an automobile, building or damaged goods claim, properly trained in writing the inspection report, and able to provide evidence such as photos and digital diagrams if required.
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