Market & Policy · Insurance Term
Loss Control Inspection (Risk Engineering Survey)
Definition
A loss control inspection is a visit to your property by someone working for the insurer to check its condition and risks. The insurer uses the report for underwriting and may send recommendations or requirements you must complete to keep coverage.
In Plain English
Inspections are common after a new policy starts and sometimes before renewal. The inspector photographs the building, checks the roof, wiring, plumbing, fire protection and housekeeping, and confirms details such as occupancy and square footage. Many review the COPE factors: construction, occupancy, protection and exposure.
The report goes to underwriting. It may confirm the policy as written, change the price, or list recommendations. Some items are suggestions. Others are firm requirements with deadlines, and missing one can lead to cancellation or nonrenewal.
If the policy has a protective safeguards endorsement, the inspector may check that alarms or sprinklers are working as required. Keeping those systems maintained protects the coverage itself.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: an inspector visits a motel and notes exposed wiring and a blocked fire exit. The insurer gives the owner 60 days to fix both. The owner sends invoices and photos before the deadline, and the policy continues without change.
What to Watch For
- Ask your agent to tell you when an inspection is scheduled so you or a manager can be there.
- Have records ready: roof age, electrical and plumbing updates, alarm and sprinkler service reports.
- Ask for a copy of any recommendations and their deadlines.
- Send written proof of completed work to your agent and the insurer.
Last updated October 14, 2026 · Primesure editorial team · How We Write