Top things to cover
Number of campsites
Number of rental trailers
Number of cabins
Breakdown of sites: tent, electric, septic, etc
Activities provided
Recreational areas such as ballcourts, minigolf, trails, etc
Cooking facilities at clubhouse or for restaurant
Water exposures: pool, pond, lakes or streams
Open and close dates
Maintenance areas, gas tanks, propane dispensing, etc.
Photos
All buildings
Representative of common and recreational areas
Roads
Bathroom interiors
Inspection Prep
Online search for website and social media to confirm advertised vs. actual operations. Use Google Earth to prepare diagram before site visit.
Here is a checklist for doing an insurance property inspection on a campground RV park:
Property information: Collect information about the campground RV park, including the address, the size of the property, and the number of campsites.
Access: Determine the accessibility of the property, including the type and condition of the entryways, roads, and parking areas.
Campsites: Check the condition of the campsites, including the level of the ground, the condition of the electrical and water hookups, and the availability of fire pits and other amenities.
Building structure: Inspect the condition of any buildings on the property, including cabins, restrooms, and showers, looking for signs of damage, wear, or deterioration.
Fire safety: Check for smoke detectors and fire extinguishers on each floor of any buildings, as well as the availability of fire hydrants and access for emergency vehicles. Campgrounds and RV parks pose additional fire risks due to the presence of propane tanks, campfires, and other flammable materials.
Hazardous materials: Assess the storage and handling of hazardous materials, such as gasoline or propane tanks, ensuring that they are properly labeled and stored in designated areas.
Electrical safety: Check the condition of electrical equipment, looking for damaged cords or other hazards, and verify that electrical outlets and switches are properly rated for the equipment they serve.
Plumbing: Check the condition of plumbing systems, looking for leaks or other issues that could cause water damage or pose a safety risk to guests.
Sanitation: Evaluate the sanitation measures in place, such as the cleanliness of the property, the availability of hand sanitizer or other sanitation products, and the maintenance of restrooms and showers.
Capacity: Verify that the property is not exceeding its capacity limits, and evaluate the adequacy of emergency exits and egress routes in case of an emergency.
Liability risks: Identify any potential liability risks, such as uneven terrain, loose steps, or other hazards that could pose a risk to guests or visitors.
Insurance coverage: Verify that the campground RV park has adequate insurance coverage to protect against liability and property damage.
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 campground RV park is adequately protected by insurance.