How Insurance Claims Inspections Work

A claims inspection is the on-site evaluation of a reported loss. After a claim is reported, an adjuster may be assigned to inspect the property, document visible damage, and prepare an assessment consistent with the scope of the assignment.

Inspections typically begin with a review of the reported loss and any available background. The adjuster then walks the property, photographing and noting visible damage, relevant conditions, and factors that may affect scope or estimating.

Documentation is central to the process. Photographs, diagrams, measurements, and notes create a record that supports accurate assessment and reporting. Where applicable, estimating software such as Xactimate may be used to prepare repair scopes.

After the inspection, documentation and any assessments are prepared and communicated consistent with the assignment. The exact deliverables depend on the scope authorized by the assigning party.

This article is educational and describes the general inspection process; specific procedures vary by assignment, carrier, and claim type.