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We have entered into an exciting new age of inspecting! Digital Photos and a Web Format will improve inspector's fees, productivity and time service! Click on the FAQ's below.
FAQ's So what does an insurance inspector do? How many inspections should I be able to complete in a day? How is an inspector paid? How long does it take to complete an inspection? Are expenses paid? What does an inspector photograph? What needs to be diagramed? What kind of forms does an inspector complete? What is the three most important parts of property insurance inspecting? How much time is allowed to complete an inspection? What should I know about UPFRO? Want to Apply?
So what does an insurance inspector do?  Before Property Insurance Underwriters will issue an insurance policy - such as a Homeowner's Policy - they will need to know all about the property.  Insurance inspectors are their eyes and ears. They travel to the home to be insured and complete a physical inspection. This usually includes diagramming the home, completing a checklist of hazards & conditions plus photographing the home along with noted hazards or conditions.  Inspections are most often completed from the exterior of the home - with no appointment necessary. But on occasions, interior information is needed. Electrical wiring, plumbing, heating, and wood-burning stoves are a typical concern of an underwriter. This may require an inspector to make direct contact with the homeowner.
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How many inspections should I be able to complete in a day?  A full time inspector working in a populated area should be able to complete a minimum of 12 standard reports daily.  Most inspectors typically average 16 to 20 stops.  This includes your time in the field and your time to submit your report, diagram and photos on your computer using our UIRS - UPFRO Information & Retrieval System.
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How is an inspector paid?  Inspectors are paid by each report. A typical exterior report may average from $8 to $15.  An inspector in a rural area has to cover more ground and will not be able to complete as many reports and usually commands a higher fee called an additional Zone fee.  Of course, when interior information is required or an appointment is made there is a much higher fee.  UPFRO pays inspectors weekly!
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How long does it take to complete an inspection?  Once you have reached the home, it should not take more than 10-15 minutes for a standard exterior inspection.
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Are expenses paid?  Normal expenses such as film and mileage are included in the total fees above. Contact your personal accountant or tax preparer to determine what expenses you may deduct.
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What does an inspector photograph?  Each home should get a photo of the front and of the rear.  Each hazard or condition noted should get a photo as well.  Digital photos can be easily uploaded when you submit your report.
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What needs to be diagramed?  The diagram of the home should show all sections of the home. For example, you should show the two-story section with a basement, the one-story wing with a crawl space, the open porch, the deck and the attached garage.  Measurements, taken with a tape measurer, a measuring wheel, etc, should be rounded off to the nearest foot. Measurements should be provided for each section of the home so that the square footage can be calculated for each. Want to see a sample? Click here: See Sample Diagram  Diagrams are drawn using our easy-to-use Rapid Sketch Diagram Program.
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What kind of forms does an inspector complete?  Field forms are available for your use.  You will submit your final report using the UIRS web site.  Simple pull-down responses and fill-ins will complete your report.  Form Information is normally broken down into the following categories: Fire Protection Property Conditions Liability Conditions Exposures  There may be different forms customized for different companies but the basic information is the same.  Want to see a full sample field form? Click here: See Sample Check-off Field Form
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What is the three most important parts of property insurance inspecting?  Time Service - Time Service - Time Service! Why?  An underwriter only has a limited amount of time to make a decision about the home you are inspecting. In many states, if a decision is not made within the allotted time - the underwriter cannot cancel the policy - no matter what you may find wrong when you do your inspection.
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How much time is allowed to complete an inspection?  Normal inspections should be completed and returned no later than 3 weeks from the date on the request.  Average time service should be no more than 2 weeks.
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What should I know about UPFRO?  Since 1950, UPFRO has provided the insurance industry with timely and accurate reports.  Our reputation in the insurance industry is #1!  UPFRO is a family run business and we treat everyone at UPFRO like family.  UPFRO provides full support for all their inspectors - including health benefits. Does UPFRO supply training?  YES.  UPFRO has a complete training program with ongoing support. Training is based upon your own background and may include in-office, field and web-seminar meetings. Why should I want to work for UPFRO?  To be part of a proven successful team!
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Still interested?
Complete our on-line application at:  APPLICATION Get Adobe Reader
Or if you have further questions please contact us at:
jobs@upfro.com
Thank you!

SAMPLE FIELD CHECK-OFF FORM

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