What You Need to Know About Fire Insurance Survey Report

In this article, we are going to learn about fire insurance survey report. This report is issued every time after a safety survey conducted by an expert team from fire insurance company finished. This survey is conducted to survey fire protection system in a client site to ensure that it is still reliable.

Fire insurance is a way to protect a company from loss due to fire accident. Without having  fire insurance, a company will loss its business in second without any guarantee to have enough capital to re-build its facility.

Fire safety survey is conducted in a regular period of time and scheduled by the fire insurance company. It is a safety survey not a safety audit. It is to inspect the implementation of property loss prevention and safety corresponding to potential fire hazard. No certification will be awarded even if a client is considered having good fire protection system.

Sometimes, fire insurance survey report is also called by loss control report. The name of this report may vary depend on the fire insurance company policy.

The Period

Fire safety survey is performed in a regular schedule and usually decided by the fire insurance company. Based on my experiences, it is conducted every five years. However, the period may be changed after a fire accident occurred at the client site to monitor the effectiveness of countermeasures. So, you will receive fire insurance survey report periodically.

Surveyor Team

This should be the reason why you have to pay your attentions to fire insurance survey report. The survey is performed by an expert team from safety insurance company, who has a wide range of fire safety experiences. They know what they are doing. The report is made by fire experts.

Fire Insurance Survey Report Contents

A fire insurance survey report contains at least previous surveys findings status and new findings. As I mentioned earlier in this article, the content may also vary. It will depend on the safety insurance company policy. That’s no problem, in general they are similar.

The report contains an outline of safety survey (date of survey, company’s representatives, survey team members), follow up results on former survey and recommendations on the latest survey includes infrared thermography survey report.

Recommendation or finding is categorized into three categories, urgent action required (high), quick improvement required (medium) and future study required (low).

At the first section, the status of every previous survey recommendation is mentioned. If the corrective and preventive actions are considered enough, it is marked as closed finding. Otherwise, it will be re-inspected in the next survey.

The second section talks about recommendations on current survey. Each finding will be described shortly, completed with a photo and ended with a recommendation, as well as the finding category.

At the last section, infrared (IR) thermography survey result on electromechanical equipment is reported. Such survey is conducted to measure and detect abnormal temperature (hotspot) on electromechanical equipment. Hotspot findings are then evaluated and categorized too.

Follow up Requests

After receiving the fire insurance survey report, you are requested to follow their recommendations. Follow up request will depend on categories of each recommendation. Urgent problem in common should be followed up as soon as possible or preferably within one week.

Usually, time frame for taking follow up action is described inside the report below the finding.


Even though fire insurance survey report contains only recommendations and no obligation from client to follow up those recommendations, but as I said that the recommendations are created by safety expert team. They could see what you cannot see in the stand point of safety. They help you improving your safety and fire loss prevention.

My final word is open your mind and be happy to receive their recommendations, since you don’t have to work hard to uncover the deficiency of your fire safety systems.

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Lukman Nulhakiem

About Lukman Nulhakiem

Chemical Engineer, safety enthusiastic, blogger and internet marketer with experience in chemical industry and industrial product reviews.
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