Personal

Our Personal Lines Division is staffed with a dedicated team of managers and consultants who work exclusively with residential risks. We offer inspection services ranging from a basic exterior visit to a detailed high value dwelling evaluation. We have nationwide coverage with an average turnaround time of just 20 days. Our reports can include cost valuations, diagrams, public data attributes, and of course, photos. Recommendations can be handled through our exclusive RecTrak program so you can save time and money even after the inspection is done.

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Inspection Services

Exterior

Exterior surveys focus on property data such as construction class, roof type and condition, total area, and overall condition. Every report includes at least five exterior photos ideally showing the front and rear of the home when accessible. We also provide details on any uncontrolled hazard such as unsecured pools, vicious animals, and poor upkeep.

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Package/Mid-Value

Our package surveys provide data on both the structure as well as the interior features of the insured property. This can include electrical, HVAC, and plumbing information as well as replacement cost estimation. We will include photos of the exterior, including the detail on the roof, as well as interior aspects of the home such as the kitchen, baths, and various living spaces.

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High value

Our high value survey is our premier solution for insuring risks over $750,000 in replacement cost. This is a detailed inspection which includes everything covered in an exterior and package inspection with added emphasis on the additional items which add considerable value to the home. We take photos of every available room and record the features and fixtures necessary for an accurate ITV calculation. We can add public data and compare policy information to what was found in the inspection so underwriters can quickly see if there are any discrepancies. Our risk scoring system will take our findings and grade the property, providing the underwriter with yet another valuable tool to determine which properties demand the most attention.

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Builders Risk

We can inspect during any stage of construction and report site conditions, progress, and hazards. Whether it’s a renovation or a ground up build, Preferred Reports can get you the information you need to make good underwriting decisions.

Farm/Ranch/Equestrian

Our consultants will report on the insured’s home, personal use buildings, farm or ranch operations, stables, equestrian activities, and uncontrolled hazards. Replacement costs tailored to farm/ranch operations can be added. Other options include archived high-resolution aerial photos of the property and drone based inspections to obtain greater detail on building roofs and remote structures.

Vacant Property/Land

Clients may purchase land and vacant buildings in advance of a construction projects. Preferred Reports can visit the location and identify uncontrolled hazards such as unprotected buildings, vagrants, illegal dumping, and similar issues. Whether it’s a vacant home just acquired or property with an abandoned barn due to be demolished, Preferred Reports will gather the information you need.