DMI's Underwriting Inspection Department works with each underwriter to tailor the inspection process to their needs and budget. There are several inspection programs available, and DMI's track record of more than a dozen successful programs helps us find the optimal solution to fit your needs. All inspections are physically conducted by licensed contractors who sign their own work, subjected to DMI's Quality Assurance Program led by our Professional Engineer, and followed up with DMI's customer service. Aspects of a successful program can include:
. DMI works with carriers to create and perform custom initial underwriting inspections that gather precisely the information the carrier needs, in exactly the format it needs it. Inspections can include aspects of traditional underwriting, windstorm, four-point, replacement cost, and other inspections, all bundled into a customized package that will provide your company with a durable underwriting competitive advantage
- Desk Wind Review - A review of the inspection data using DMI's proprietary filters, logical tests, and scanned or physical form examinations. Our proprietary analysis on more than 800,000 policies to date has been extremely successful at identifying highly suspicious or unlikely credits. Just as importantly, DMI's review ensures that carriers do not waste money by inefficiently conducting physical reinspections on risks that are statistically highly likely to be correct.
- Underwriter Wind Review - This is a full windstorm mitigation inspection and audit, in which the licensed DMI inspector performs an entirely new windstorm mitigation inspection on the latest OIR-B1-1802 inspection form, taking special care to provide additional photographs wherever changes in mitigation credits are observed. With more than 250,000 of these inspections completed for 14 carriers, DMI has performed more of these inspections than any other company in the United States by a wide margin.
- External-Only Wind Review - Primarily used as an alternative to an initial underwriting inspection for new policies, or in the rare instances when homeowner cooperation (and therefore access to the attic) is not available, this external inspection can quickly validate or invalidate several of the most common mitigation credits.
, covering the principal electrical, roof, HVAC and plumbing systems, the DMI Four-Point inspection sets the standard for the industry in terms of its quality and comprehensiveness. All of the "hot-button" issues that four-points can unearth area covered in DMI's four-point inspection, and more. As always, all four-points are physically conducted by licensed contractors who sign their own work. For these and other reasons, DMI is a Preferred Vendor for Four-Point inspections by many carriers, including Olympus, Federated National, USAA, Tower Hill, and several others.
Replacement Cost Valuations
. RCVs can sometimes stand for Garbage-In, Garbage-Out. Combining all of the most common web-based valuation providers with the accurate fieldwork for which we are known, DMI's Residential and Commercial-Residential RCVs provide carriers with replacement cost valuations that you can trust.
, providing a detailed set of photographs and captions that capture the observable structure inside and out.
All Programs include the personal service and attention the industry has come to expect from DMI. Whether it be information technology, communications links, call center scripts, or underwriting procedures, we are experienced process integrators and we work to ensure a seamless relationship exists with all of our underwriting partners. And by embracing the burden of providing post-inspection customer service, a trained DMI customer service representative will always be available to discuss the results of the inspection in detail with all stakeholders. It is this attention to customer service that has made DMI the preferred resource for insurance-related inspections for policyholders, agents, and underwriters alike.