A recommendation check (rec check for short) is a follow up to a prior inspection. Recommendations were made in the prior inspection and the Underwriter has given the homeowner instructions that these hazards or defects need to be corrected.
Our job is to go back to the location and confirm that the homeowner has or has not complied with the request from the Underwriter.
Guidelines For Completing A Rec Check
You will need to schedule an appointment for all rec checks.
Your ticket will list all the recs that you need to look for so be sure to print this and bring it with you.
It is critical that you take at least 1 photo for each of the recommendation to show that it has or has not been complied with
If you observe any new hazards/ defects not listed you should take a photo of these too
Completing The Recommendation Check Form
Copy the recommendations from the ticket into the narrative section of the form
Upload photos to the case
Label the photos- Rec 1 Complied with , Rec 2 not complied with, Rec 3 complied with, etc
In the narrative of your report you will put complied with or not complied with after each listed rec.
Add any new hazard/defects recommendations to the report
Dryden Mutual Rec Checks: You will see an attached file with all Dryden Rec checks, It is important that you review the file and look at the photos that show the recs you are checking to assist you in locating the rec. You want to be sure your photos show the same location/angle of the original rec.
Introduction: Premise Liability
Premises liability involves the responsibility of property owners to maintain safe conditions for people coming on or about the property. Homeowners can be and often are held liable for injuries which occur on their property. If a person slips, trips, or falls as a result of a defect or hazardous condition, the property owner may be responsible.
Inspecting With a Liability Focus
Separate insurance is provided for property coverage and liability coverage. As an inspector, you need to take a different approach surveying when you deal with liability issues as compared to property concerns. A liability focus for your loss control work will require you to see a physical defect at a property and then be able to translate that defect into a liability exposure that could result in an injury to a visitor.
What Defines a Visitor?
Kenzie Morgan
Last updated Sep 26, 2020
Premises liability involves the responsibility of property owners to maintain safe conditions for people coming on or about the property. It should be noted that the phrase "for people coming on or about the property" paints a broad definition of who could be covered if a loss did occur. Let's take a look at that:
Invitees
Where a homeowner, by express or implied invitation, invites others to come on the premises for any lawful purpose, a duty to exercise ordinary care arises to keep the premises safe. Workers or contractors are typically considered invitees.
Licensees
A licensee is a person who has no contractual relation with the owner of the premises but is permitted, expressly or implicitly, to go on the premises. A social guest at a residence is normally considered a licensee.
Trespassers
Surprising to many homeowners is the fact that there is a responsibility to those without permission to be on site. A trespasser is a person who enters the premises of another without permission of the owner. The duty of the owner to a trespasser is to not prepare pitfalls or traps, nor to injure the trespasser purposely. Once the owner is aware of the trespasser’s presence OR can reasonably anticipate such presence, (EVIDENCE of skateboarders in an unfinished swimming pool would fall into this category) then the owner has a duty to take care to avoid injuring the trespasser (fence the pool).
The Question of Liability
Kenzie Morgan
Last updated Sep 26, 2020
The main issue in a premises liability loss/injury is the question of liability. Many people assume if they get hurt while on another person's property due to no fault of their own, then someone is liable. This is not always the case. A homeowner or business owner has some responsibility to keep visitors or customers safe while on their premise. If the homeowner or business owner does not provide that safe environment and that lapse in responsibility leads to someone getting injured, then liability for that injury becomes an issue.
Premises Liability... Some Examples:
Inadequate Outdoor Lighting: The property owner can be held liable if they knew or should have known about the dangerous situation but failed to correct the problem and it lead to a fall in the driveway.
Flooring Problems: can often result in slip-and-fall accidents. A property owner's failure to provide adequate signs for wet areas, failure to provide proper barriers, excessive floor waxing and more can all lead to a slip and fall accident.
Aggressive Dog: Dog bites are a very expensive loss to the insurance company. The expense, plus the predictability of some dogs being more aggressive than others, has lead many carriers to determine breeds of dogs which are considered a reason to cancel a policy.
Most Common Types of Premises Liability Losses
Dog Bites
Slip-and-Fall
Inadequate Security
Asbestos Exposure
Roadway and Sidewalk Defects
Poorly Lit Staircase
Iced Entrance-way to premises