Loss Control Inspections - Residential, Commercial, Workers' Comp. , General Liability
ISNOA is your complete loss control provider servicing the insurance industry and the private sector. We have completed thousands of loss control reports since we began operating in 1981. We provide the following services:
ISNOA specializes in delivering service to support the client's underwriting process.
Residential Loss Control Survey Reports
ISNOA offers inspection services ranging from a basic exterior visits to a detailed high value dwelling evaluation. Our reports can include cost valuations, diagrams, public data attributes, and of course, photos. Many of our clients use Loss Control 360 and we enter data directly through their platform. Depending on the client, we can also provide paper reports or can complete any forms provided in your system.
( Three Types of Reports Are Available For Residential )
1. Exterior / Outside Survey Report
Our surveys focus on the outside of the residential property.
We concentrate on the type of construction, type of roof and
the overall condition of the property. Each report will include
exterior photos, showing each side's elevation, roof condition
and known hazards that are present when the report is completed.
We will also provide pictures on pools, hot tubs , sheds and
outbuildings that could be an uncontrolled hazard.
2. Interior Survey Report
Our surveys focus on the interior features of the insured property.
This can include HVAC, HVAC Air Handler, Hot Water Tank, Electrical
Panel and Plumbing information. We include photos of everything,
including the kitchen, bathrooms and laundry rooms. We can also
include photos of various living spaces (as required).
3. Expensive / High Value Properties
The Expensive / High Value Property survey is available for any
property that is viewed as high value by the insurance company,
or one that is valued at $1 million dollars or higher in replacement
cost. This inspection includes everything in the Interior and
Exterior Survey Reports, plus additional items that adds value
to the property. We can also add additional photos of any room
or item required by the client.
Commercial Loss Control Inspections
It is impossible to list every type of commercial survey reporting that is available. ISNOA follows each insurance company or vendor's requirements when we investigate and complete a report for our clients. Below are areas where we can help you provide the reports you are looking for.
1. Property / Workers' Comp / General Liability
Property surveys make up the majority of all insurance inspections.
At the heart of all property inspections is the documentation of
COPE information. COPE stands for Construction, Occupancy,
Protection and Exposure. We question to follow the elements
of COPE so nothing gets missed and everything falls in a logical
order for the inspector or underwriter. In addition, surveys
can include replacement cost, actual cash value, or functional value
2. Restaurant / Grill and Bar Liability
Restaurants encompass everything from the smallest of fast food
joints to the largest of themed restaurants with entertainment.
The majority of surveys on restaurants are focused upon Property
and General Liability. It is also not uncommon for restaurants to
appear in ground floor of apartments above and other retail
operations that are adjacent. These surveys involves the evaluation
of the commercial cook line; followed by safe handling of food intended
for consumption and slip/trip/fall hazards. Relevant data on the
kitchen, Including maintenance and inspections on fire extinguisher,
hoods/exhausts and electrical/gas services. The food handling and
storage of dry and refrigerated goods are also inspected, as well as
3. Fleet Inspections
Inspections are generally intended primarily for company owned
vehicles and lighter commercial delivery operations. We have
inspectors who are experienced in trucking operations, and can
cover an operator with two trucks to a long-haul fleet trucking
company with hundreds of units. Together with a thorough
inspection template customized to your underwriting needs,
we can deliver a concise report within a 30-day completion span.
4. Hospitality - Motel / Hotel / Bed & Breakfast
Hospitality surveys focus on exposures involving short term or
even overnight stays by people not familiar with the property.
These risks can have restaurant exposures, higher security
concerns, commercial laundry facilities, daily cleaning activities,
possible infestation issues, increased common areas and sometimes
different neighborhood exposures.
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