UPFRO ASSOCIATES, INC.

Insurance InspectionsABC’s

Insurance Inspectors are the “Eyes & Ears” of insurance underwriters.

They provide the information required by an underwriter about a home or property.

This allows the underwriter to make an informed decision to issue, reject or cancel an insurance policy.

This is a step-by-step overview of the insurance inspector’s job.

TABLE OF CONTENTS

The Three Most Important Things UIRS – UPFRO Information & Retrieval System Receiving Requests Mapping Work

Appointments Locations

Going to the Home Photo ID & Dress Code Knock or Ring the Doorbell Be Safe!

Inspecting the Risk Standard Photos Hazard/Condition Photos Field Sketch/ Diagram Inspection Forms

Submitting the Report Uploading Photos Diagrams Web Reports, Templates & Paper

Billing the Report Submitting Your Invoice Getting Paid

UPFRO ASSOCIATES, INC.

The Three Most Important Things1. Time Service2. Time Service3. Time ServiceInsurance companies are limited with the amount of time they have to underwrite a policy.

If they do not make their decisions within the allotted time – normally 30 days for a new policy – they may be forced, depending on each state’s laws, to issue and maintain the policy. The policy may stay in effect for a full year or even for life. No matter what your inspection may reveal!

The clock starts when the underwriter receives the application – not when UPFRO receives the request or when you, the inspector receive the request.

And the clock stops when the underwriter gets the report. Your report must be completed & submitted to our office/web site to allow time for us to review, upload, etc.

UPFRO’s current policy is called NOW meaning No Old Work. We look for work to be completed and submitted with 21 days – that’s three weeks. So we may complete the handling or your report and get it to the underwriter.

But instead of NOW, we would like you to WOW the underwriters with time service that is even better! Inspectors with excellent time service and good quality will find underwriters ordering more reports in their territories in the future.

UPFRO ASSOCIATES, INC.

UIRSUPFRO INFORMATION & RETREVIAL

SYSTEM

UIRSUPFRO INFORMATION & RETREVIAL SYSTEM

The UIRS is our Web Based site allowing you to: Receive your requests for inspections Complete your final reports Bill and invoice for your work

Using the UIRS will improve your time service from NOW to WOW!

UIRSBookmark this site:

http://www.upfro.com/uirs.htm

It is your gateway to the UIRS.And has the tools you need just a click away.

Request the Operating Manual for the UIRS.

Receiving Requests

Log onto the UIRS[You will receive a User ID and a Password]

Your work is just a step away…….

Receiving RequestsClick on ‘Search’ to view your

Inventory of assignments.

Click on your Inventory Page to view each request.

You can print this page for a Simple Request Form.

Receiving RequestsIf you need specific forms to inspect,

they are provided using the Inspectors Forms Link.

Or you can pick up Generic Field Forms on line or request them directly from UPFRO.

And if all else fails – we can email you your request or generic forms.

Mapping WorkMap out your work.

You want your stops to run efficiently and effectively.

Choose a hard copy, paper map (Laminated ones are best) or use any mapping program you like!

We like Microsoft’s Street & TripsStreet & Trips allows you to copy your entire

inventory and map all locations!

The Inspectors Page includes links to some

standard maps sites.

Locations & AppointmentsLocationsIf you cannot find the location of a risk on your map, there are many options. White Pages Reverse Phone Lookup Call the Policyholder Call the Agent Call Local Police, Realtors, Post Office Call UPFRO and ask for help!

There is an extra fee for locating a home with a bad address – when you fully document it with your report.

If you find that the request is no longer in your area – call the UPFRO Office and we will have it re-assigned.

Appointments On occasion you may be required to complete an inspection by appointment. There is an

extra fee for this as well. A detailed SOP can be found at our Inspectors Corner

STANDARD OPERATING PROCEEDURE

Going to the Risk (House) Photo ID

UPFRO will issue you a Photo ID Clip it to your work or use a lanyard around your neck It must be with you at all times when you are in the field.

Dress Code Proper Dress Code is required.

Collared Shirts, Slacks, comfortable footwear is good. Tee-shirts, shorts, sandals are not. Ask you manager for specific details.

Knock or Ring the Bell before Proceeding

Be Safe If you are in an area noted for crime, or if you find any other unsafe condition

– just document it and submit your report. Photos, when available, help!

Inspecting the Risk (Home) Standard Photos

Show front/side Show rear/opposite side Document when you cannot.

Hazard – Condition Photos Refer to Your Hazard Guidelines Refer to Your Account Guidelines Document what the hazard photo shows in the Remarks Section

Diagram/ Field SketchThis is an ‘overhead’ view of the home showing

the separate sections of the home such as…..

Basement/ Slab / Crawl Space 1 Story /1.5 Story / 2 Story, etc. Garages: Built in / Attached / Detached, etc Decks / Balconies Porches: Enclosed / Open

And each section should have it’s own measurements for calculating.

Measurements Use a Measuring Wheel or a Tape. Round to the nearest foot. Opposite sides of the home should be

balanced.

See Sample….

Standard ReportOur Inspection Forms are a series questions about

the home you are inspecting. They provide standard options to the important features of the home.

Standard Inspection questions are categorized: General Occupancy

Who lives in the home. What the home is used for.

Fire Protection Distances to Fire Hydrants & Fire Stations

Property Conditions How well is the house maintained.

Liability How could someone get hurt?

Exposures Surrounding area concerns.

Remarks Highlight the problems you found and

photographed.

Replacement ReportThe Replacement Cost of the Home is an

additional form completed with our Standard Reports.

You will provide same basic information on this form and along with your diagram, we will be able to calculate the replacement value of the home.

The Replacement value is the amount the home is insured. It is not the market value nor the tax-assessed value. It a building/ reconstruction value.

We use MSB/RCT as our primary replacement calculating tool.

Riders & Account Specific FormsThere may be additional forms as well.

Electric, Heating & Plumbing Supplement Wood Burning Stove Supplement Interior ReportsEach pays an additional fee when completed.

Account Specific Forms Some Accounts want specific forms. The information may be presented differently but is all basically the

same.

Submitting the ReportOnce you are done in the field, you will be

asked to ‘write up’ your reports.

The old fashion method of writing or typing each report on paper is obsolete.

Using the Std Form and the RCT Form links on the UIRS page….

You can complete simple ‘pull-down’ and fill in sections and click to submit your report.

Most “pull down” answers are defaulted. You only need to change the answers for hazards or conditions you’ve noted.

Occasionally, you may also be asked to use additional sites to complete information for specific accounts.

Submitting PhotosPhotos must be uploaded

After you have downloaded your digital photos (we suggest using a Folder named:UPFRO PHOTOS with sub folders named for the day worked i.e. ‘June 27, 2005’

Copy and paste the policy number Browse to your UPFRO PHOTO

folder/date worked and pick the photo. Click on ‘Add’

Currently, photos must be uploaded one-at-a-time on the UIRS.

The MIS Wide Site works is a similar fashion and you must upload their Account Specific Photos on this site.

Submitting DiagramsDiagrams

Use the Draw Diagram link on the UIRS to create a diagram!

Remember – Time Service!

If you are having problems with this program, just call us for help or alternatives solutions!!!

Submitting Templates (E-Mail)Account Specific Work - Templates

A few Accounts have their own specific forms or programs (unavailable to you).

So, for now, we have created an alternative.

You may complete a form using an MS Word Template and email it to us.

Upload your photos and diagrams on the UIRS for these accounts.

Ask for the UIRS Procedure Manual for details and specific information

Close Out the Report on the UIRSOn the UIRS1. Change Status2. Complete your date inspect and

fee boxes.3. Complete the Forms Section.4. Update the Checklist5. AND CLICK ‘UPDATE’

Ask for theUIRS Procedure Manual

Invoice for your ReportsThe UIRS will invoice your reports for you!Just make sure you complete the correct information in the Forms

boxes and hit the Set Fees

Thank you for reviewing this presentation.

And welcome to the UPFRO family of inspectors.

We are here to help you succeed.

Please contact us at anytime!

Again – Thanks!

UPFRO ASSOCIATES, INC.