Property Damage Insurance Claim Inspection Checklist
Insurance claim inspections require systematic documentation of all damage to support accurate claim filing and protect against disputes. This checklist guides comprehensive damage documentation from initial assessment through claim resolution.
- Industry: Real Estate & Property Management
- Frequency: Per Insurance Loss Event
- Estimated Time: 45-60 minutes
- Role: Property Manager / Insurance Adjuster / Loss Control Specialist
- Total Items: 35
- Compliance: State Insurance Claim Filing Deadlines, ICC International Property Maintenance Code, NFPA 921 Guide for Fire and Explosion Investigations, EPA RRP Rule for Pre-1978 Properties During Repairs
Loss Type and Overview
Document the type and cause of loss.
- Loss type identified
- Cause of loss documented with timeline?
- Weather data or event report obtained for wind/hail/storm claims?
- Police report obtained for vandalism, theft, or suspicious origin?
- Utilities secured to prevent further damage?
- Emergency boarding or tarping completed to prevent additional damage?
Exterior Damage Documentation
Document all exterior damage.
- Roof damage documented with measurements?
- Hail damage with impact count per section documented?
- Siding, stucco, or exterior wall damage documented?
- Window and door damage documented with sizes?
- Gutter and downspout damage documented?
- Comprehensive exterior photos including damage close-ups?
Interior Damage Documentation
Document all interior damage room by room.
- Room-by-room damage inventory completed?
- Water damage scope documented with moisture readings?
- Fire and smoke damage extent documented?
- Damaged contents inventory documented?
- Tenant personal property damage documented separately?
- Comprehensive interior damage photos taken?
Structural and Systems Damage
Document damage to structural systems.
- Foundation damage documented?
- Structural framing damage documented?
- HVAC system damage documented?
- Electrical system damage documented?
- Plumbing system damage documented?
- Additional living expense need documented for displaced tenants?
Contractor Bids and Scope
Document contractor estimates for repair scope.
- General contractor scope estimate obtained?
- Roofing contractor estimate obtained?
- Water/fire restoration company scope and estimate obtained?
- Specialty contractor bids for electrical, HVAC, or other systems?
- Code upgrade costs documented separately (ordinance or law coverage)?
Claim Documentation Package
Compile complete claim documentation package.
- Comprehensive photo documentation covering all damage?
- Previous condition documentation (move-in, inspection reports) available?
- Maintenance records demonstrating property upkeep available?
- Claim filed within policy notification deadline?
- Public adjuster retained for complex claims?
- Complete claim file organized and accessible?
Related Real Estate Property Checklists
- Move-In Property Condition Inspection Checklist
- Move-Out Property Condition and Damage Assessment Checklist
- Monthly Rental Property Inspection Checklist
- Vacant Property Security and Condition Inspection Checklist
- HVAC Seasonal Readiness and Preventive Maintenance Checklist
- Roof and Exterior Building Envelope Inspection Checklist
- Plumbing System and Water Heater Inspection Checklist
- Electrical Panel and Wiring Safety Inspection Checklist
Related Property Inspection Checklists
- Move-In Property Condition Inspection Checklist - FREE Download
- Move-Out Property Condition and Damage Assessment Checklist - FREE Download
- Monthly Rental Property Inspection Checklist - FREE Download
- Vacant Property Security and Condition Inspection Checklist - FREE Download
- Annual Comprehensive Property Inspection Checklist - FREE Download
- Foreclosure and REO Property Condition Assessment Checklist - FREE Download
- Lease Renewal Property Assessment Checklist - FREE Download
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Why Use This Property Damage Insurance Claim Inspection Checklist?
This property damage insurance claim inspection checklist helps real estate & property management teams maintain compliance and operational excellence. Designed for property manager / insurance adjuster / loss control specialist professionals, this checklist covers 35 critical inspection points across 6 sections. Recommended frequency: per insurance loss event.
Ensures compliance with State Insurance Claim Filing Deadlines, ICC International Property Maintenance Code, NFPA 921 Guide for Fire and Explosion Investigations, EPA RRP Rule for Pre-1978 Properties During Repairs. Regulatory-aligned for audit readiness and inspection documentation.
Frequently Asked Questions
What does the Property Damage Insurance Claim Inspection Checklist cover?
This checklist covers 35 inspection items across 6 sections: Loss Type and Overview, Exterior Damage Documentation, Interior Damage Documentation, Structural and Systems Damage, Contractor Bids and Scope, Claim Documentation Package. It is designed for real estate & property management operations and compliance.
How often should this checklist be completed?
This checklist should be completed per insurance loss event. Each completion takes approximately 45-60 minutes.
Who should use this Property Damage Insurance Claim Inspection Checklist?
This checklist is designed for Property Manager / Insurance Adjuster / Loss Control Specialist professionals in the real estate & property management industry. It can be used for self-assessments, team audits, and regulatory compliance documentation.
Can I download this checklist as a PDF?
Yes, this checklist is available as a free PDF download. You can also use it digitally in the POPProbe mobile app for real-time data capture, photo documentation, and automatic reporting.