Commercial Property Underwriting Inspection Order Worksheet

Documents the loss control inspection request and findings used to confirm a commercial property risk, capturing construction, occupancy, protection, and exposure data for underwriting review.

Inspection Scope and Property Identification

• Inspection type confirmed
• Insured / account name
• Property address
• Occupancy type verified
• Inspection date and time

Construction and Building Characteristics

• Primary construction type
• Year built
• Number of stories
• Approximate building area
• Roof covering condition
• Visible structural deficiencies observed

Occupancy, Operations, and Housekeeping

• Primary business activity matches underwriting description
• Maximum observed storage height
• Combustible loading appears controlled
• Housekeeping and aisle clearance acceptable
• Hazardous materials present on site
• If hazardous materials are present, storage appears segregated and labeled

Fire Protection and Life Safety

• Automatic sprinkler system present and in service
• Fire alarm system present and appears operational
• Portable fire extinguishers accessible and properly mounted
• Means of egress clear, unlocked, and properly marked
• Emergency lighting and exit signs functional
• Electrical panels accessible with required clearance

Exposure, Security, and Loss Prevention

• Adjacent property exposures noted
• Roof or wall openings exposed to weather intrusion
• Security controls adequate for occupancy
• Exterior lighting and site visibility adequate
• Flood, wind, or other catastrophe exposure observed
• Recommended underwriting referral or follow-up

Inspector Findings and Closeout

• Summary of deficiencies / non-conformances
• Immediate critical items requiring action
• Overall underwriting recommendation
• Inspector signature