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Property Risk Surveys: The Tried-and-True Method for Risk Assessment
For over three decades, JMI Reports has been a trusted leader in property risk assessment, providing insurance carriers with the critical data needed to make informed underwriting decisions. While our insurtech tools and data integrations offer cutting-edge solutions for assessing property risk, there are times when a traditional boots-on-the-ground assessment is preferred—or used in conjunction with other tools. Whether it’s personal lines, commercial lines, or an agribusiness property, our skilled field representatives physically visit locations across the 48 contiguous states to assess their condition, value, and potential risks.
When You Need a Traditional Risk Survey
In many situations, particularly when dealing with high-value assets or complex risk profiles, a physical property assessment is the gold standard for accurate data collection. JMI Reports has been utilizing this proven method for decades, and it remains a reliable way to gather crucial information about a property. Our field reps are experts at identifying hidden risks, ensuring that every detail—from construction materials to potential hazards—is thoroughly documented.
Why Choose a Traditional Risk Survey?
Comprehensive On-Site Assessment:
Our field reps personally visit properties to evaluate key aspects such as structural integrity, condition, and the presence of risk factors like fire hazards or safety device deficiencies. This hands-on approach allows for a more in-depth understanding of the property.
High-Value Assets:
When dealing with properties of significant value, it’s critical to capture every detail accurately. A traditional survey offers the precision and thoroughness required for high-stakes insurance decisions.
Complex Risk Profiles:
For properties with unique features or complex risk exposures, a physical survey is often necessary to assess all potential issues. Our field reps provide a detailed and nuanced analysis that remote tools or data may not fully capture.
In today’s post-COVID era, we recognize that some homeowners may be wary of allowing visitors onto their property. Our field reps follow strict protocols to prioritize the safety and comfort of property owners, including health-conscious practices designed to minimize contact and provide peace of mind.
Post-COVID Sensitivity
The JMI Advantage
While we fully embrace innovation with our DIY assessment tools and advanced data integrations, we know there’s still a time and place for the expert insight gained from a traditional, in-person survey. JMI Reports has perfected this method over decades, and it continues to be a vital part of our risk management strategy. Whether you’re assessing a single-family home, a large commercial property, or an agribusiness operation, our traditional property risk survey services provide the precise data you need to make smarter, more informed decisions.
