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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. Aspects of a successful program can include:
Windstorm-Focused Inspections
- 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 300,000 policies to date has been extremely successful at identifying highly suspicious or unlikely credits, and just as importantly, ensuring that carriers do not waste money by inefficiently conducting physical reinspections on risks that are statistically highly likely to be correct.
- 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.
- 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. By a wide margin, DMI has performed more of these inspections than any other company in the United States.
Four-Point Inspections, covering the principal electrical, roof, HVAC and plumbing systems of older homes.
Sinkhole Inspections, 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. 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 taking on 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 windstorm inspections for policyholders, agents, and underwriters alike.
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