Top things to cover
How many apartments
How many are vacant
Any student housing
Any basement apartments and 2 means of egress provided
Count mailboxes to confirm # of apartments
Laundry on site
Try and view one sample apartment. If not possible, include reason in narrative
Liability focus on sidewalks, yard hazards, railings and steps
Photos
Main utilities in basement or common areas
Common areas such as mail boxes, stairs and hallways
Sample apartment if possible
Inspection Prep
Online search for building information is helpful.
Here is a checklist for doing an insurance property inspection on an apartment building:
Property information: Collect information about the apartment building, including the address, number of units, and age and condition of the building.
Access: Determine the accessibility of the building, including the type and condition of the entryways, walkways, and parking areas.
Building structure: Inspect the condition of the building structure, including the foundation, roof, walls, and windows, looking for signs of damage, wear, or deterioration.
Mechanical systems: Check the condition and functionality of the building's mechanical systems, including heating and cooling systems, plumbing, and electrical systems.
Fire safety: Check for smoke detectors and fire extinguishers on each floor, as well as the availability of fire hydrants and access for emergency vehicles.
Security: Assess the overall security of the building, including the availability of lighting, surveillance cameras, and any security personnel.
Maintenance: Assess the overall maintenance of the building, including the cleanliness of common areas, landscaping, and exterior features such as awnings and signage.
Tenants: Observe the behavior of tenants, noting any concerns about noise, property damage, or other issues that could pose a risk to the building or other tenants.
Liability risks: Identify any potential liability risks, such as uneven pavement, loose steps, or other hazards that could pose a risk to tenants or visitors.
Compliance: Verify that the building complies with all applicable local, state, and federal regulations and codes, including zoning, building, and safety codes.
Once the inspection is complete, compile a report detailing your findings and any recommendations for improvements or repairs to help mitigate risks and ensure that the apartment building is adequately protected by insurance.