What to Expect from Your Commercial ICAT Inspection

In order to fully deliver on the promise to protect our policyholders in the event of a catastrophe, we believe it’s important to inspect every insured property. An inspector from ICAT or a third-party inspection vendor will be sent to conduct an onsite inspection within 30-60 days of coverage.

Will I need to be present during the inspection?

Our inspector will attempt to reach out to you for a courtesy call about your inspection. If we cannot get a hold of you, we will choose a date for the inspection. If you cannot make it, we are still able to inspect the risk without you there. For many businesses, we will inspect during the business “open” hours, and for others, we may inspect the building characteristics from the outside. Please note that for certain types of properties such as schools, banks, day care centers, etc., we will require a scheduled appointment for the inspection.

What are you looking for during the inspection?

Usually, the inspection is used to verify specific building characteristics, including:

  • Square footage
  • Construction type
  • Roof type, cover and age
  • Parking type
  • Exterior Cladding
  • What else do you look for?

    Additional coverages may warrant looking for different things, including:

  • Location of closest fire hydrant
  • Fire extinguishers, maintenance
  • Smoke detectors and heat detectors
  • Fire alarms
  • Sprinkler systems
  • For additional information, download the ICAT Commercial Inspections Guide.


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