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Case Study: Building Insurance Compliance

Meeting Our Customers’ Needs

Our property inspection team survey hundreds of properties each day to ensure that they are safe, insurance compliant and examined for any factors that may cause future issues for the owner.

In this particular case, our client owned an unused public house in a particularly rough area in Glasgow which required security protection for insurance compliance purposes. Following a full property inspection, we were able to supply our client with a package of security measures that not only ensured that the property was fully compliant with their policy, but also helped to protect the building against security threats.

These measures included the supply and installation of anti-vandal steel screen shutters and a wireless alarm unit that included smoke detectors and PIR sensors to cover the entire property. As part of the compliance requirements, we also removed all consumables and fire hazards, as there was a significant threat to the property. As stated by the insurance agreement, our property inspectors were also required to update on the condition of the building each week.

RedAlert Alarm FOB

Providing Real Solutions

The main challenge we faced was to keep the property secure, on a modest budget, and within such a high-risk area with high crime rates. Although our sites were initially quite active with youths, our measures appeared to work well, and the property was unharmed for approximately 6 months. Unfortunately, one evening our alarm system sounded and recorded a fire on site. Upon immediate investigation, the property had been attacked from the roof, set on fire and the building was raised to the ground.

The client then required all documentation covering what systems we had put in place and our property inspection processes. These documents were all promptly delivered and passed on to their insurance company, which resulted in a full pay out for the client as the insurance could not pick any fault with any service that we had provided.

RedAlert Alarm FOB
Orbis Operative fitting a steel security screen onto a property
RedAlert Alarm FOB

Results That Matter

Businesses and public sector property owners are often required to perform property inspections as part of their insurance terms, this is particularly the case with vacant buildings, and it is the owners’ duty to ensure that they are compliant with both the Defective Premises Act and the Occupiers Liability Act. If an issue were to happen on your premises, and you did not have the required inspection report, then this could void your insurance claim leaving you with a very costly situation.

The frequency of a property inspection is really down to the individual insurers’ requirements, but usually this is required at least every 6 months. The positive news is that regular property inspections can actually reduce your insurance premium with a majority of providers.

Orbis have become an approved Property Risk Management partner with leading insurers for more than 10 years. During this time, we have helped many companies manage risks and maintain insurance and health & safety compliance.

We asked our Social Development Director, Louis Fordham, to answer one question – ‘Why choose Orbis for property inspections?’ Here is what he had to say –

“Orbis are a nationally recognised and approved Property Inspection company, with over 20 years’ experience in carrying our detailed external and internal property inspections.

Our inspections are designed around the property owners’ insurance policy, to ensure that they are fully compliant. This not only gives complete peace of mind, but can retain or in some cases, increase the value of the property itself. We carry out diligent inspections and report back on required repairs, security recommendations, as well as removing consumables. By offering all these services as a ‘one-stop shop’, we can reduce our customers hefty insurance premiums. We can also tailor these checks to meet any client needs, and can offer other services like utility meter readings, and drain downs.”

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