Form library · Housing and property
Insurance inspection report
A site inspection record for an insurance claim. Record the claim, insurer and policyholder, the date of loss (the form shows the days to inspection), who was present, the peril, the circumstances and whether the cause is confirmed. Add each room or area as a space with the damage, estimated cost and photos, and the form totals the building damage. Record contents, whether damaged items were kept, emergency works, alternative accommodation, cover notes, the reserve and next steps, and get the policyholder's signature. Every question is listed below, and you can fill the live form in on this page.
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What happens at an insurance claim inspection?
At a claim inspection, the adjuster or surveyor records the circumstances and cause of the loss, inspects and photographs each area of damage, estimates the cost of repairs, lists damaged contents, checks what temporary work has been done to stop damage getting worse, and notes anything affecting cover, such as the excess, before setting the next steps. FCA rules require insurers to handle claims promptly and fairly.
Last updated . Facts checked by the SiteSurvey team on 17 October 2026 against ABI: home insurance, making a claim, ABI: advice for those affected by Storm Eowyn (claims) and FCA Handbook ICOBS 8.1: insurers' claims handling rules.
Try the insurance inspection form live
Answer a few questions and watch it adapt. Your answers are not saved, and any photos you add are deleted within the hour.
Open the completed example to see fictional readings, notes, photos and calculations. Choose Blank form to try entering your own answers.
Want to see one filled in? See a completed insurance inspection report (PDF), made by SiteSurvey from a fictional site visit.
Every question in the insurance inspection template
An insurance claim inspection: policy and claim details, the property pinned by GPS, cause and peril, each area of damage as a space with photos, measured size, water line and cost, contents, emergency works, cover notes and the reserve against the estimate. 3 sections and 46 questions. Follow-up questions and guidance appear only when an answer calls for them, so the person on site never sees the ones that do not apply.
Make it your own: every question is editable
This is a starting point, not a fixed form. Once it is in your SiteSurvey account you can reword any question, add or remove questions, sections and answer options, and add your own logo, so it fits the way your team works and the jobs you do.
Details you only enter once
Add this form to a project in SiteSurvey and it fills in what the project already knows, so nobody on site retypes it and every form on the job uses the same names. Anything filled in can still be changed.
- Project: the project name
- Client: the project's customer
- Site: the site, when the form is opened for a space or a product
- Site address: the site address, from the space or the project
Claim
- ProjectShort answerFills in from the project name
- ClientShort answerFills in from the project's customer
- Site*Short answerFills in from the site, when the form is opened for a space or a product
- Site addressShort answerFills in from the site address, from the space or the project
- Property locationShort answer
Mark it at the front door. For flood or storm claims it places the property against flood maps and neighbouring claims. Tap Mark current location on site. It saves the coordinates, a grid reference and the accuracy.
- Inspection date*Date
- TimeTime
- Inspector or adjuster*Short answer
- Claim number*Short answer
- InsurerShort answer
- PolicyholderShort answer
- Date of lossDate
- Days from loss to inspectionWorked out by the formShown only when the answers above make it relevant
- CheckThe date of loss is after the inspection date. Check both dates.Shown only when the answers above make it relevant
- Who was present at the inspectionShort answer
- Peril*Choose one
- Escape of water
- Storm
- Flood
- Fire
- Theft
- Accidental damage
- Subsidence
- Impact
- Malicious damage
- Other
- Circumstances as describedNotes
- Is the cause confirmed?Choose one
- Yes, seen on site
- Not yet: further investigation needed
- Disputed
- Police crime referenceShort answerShown only when the answers above make it relevant
- Weather captureAnswer
Record estimated current conditions and add what you observe on site.
Damage
- AreasRepeat for each area. Each one asks:
- Room or area*Short answer
- DamageNotes
- Height of the water or tide mark above the floor (m)Number
Measure from a photo of the wall with a door in it, or use a tape. Measuring from a photo gives an estimate.
Shown only when the answers above make it relevant - Width of the damage (m)Number
Measure from a photo with a door or another known size in the same plane, or use a tape. Measuring from a photo gives an estimate.
- Length or height of the damage (m)Number
- Area damaged (m²)Worked out by the formShown only when the answers above make it relevant
- Estimated cost (£)Number
- PhotosPhotos
- Areas inspectedWorked out by the form
- Total area measured (m²)Worked out by the form
- Building damage estimate (£)Worked out by the form
- Highest water or tide mark (m)Worked out by the formShown only when the answers above make it relevant
- Contents damaged (item, age, condition, proof of ownership)Notes
- Contents claimed or estimated (£)Number
- Building and contents estimate (£)Worked out by the form
- Have damaged items been kept for inspection?Yes or No
- Walk Cam: damage walk-roundWalk Cam video with voice-to-text
Optional. Film a guided walk-through on the SiteSurvey app; each clip keeps its spoken note.
Emergency works and next steps
- Emergency works done to stop further damageNotes
- Is alternative accommodation needed?Yes or No
- Cover and policy notes (excess, conditions, anything to check)Notes
- Reserve (£)Number
- Reserve less the estimate (£)Worked out by the formShown only when the answers above make it relevant
- CheckThe reserve is lower than the building and contents estimate on this form. Review the reserve, or note why it differs (for example the excess or items not covered).Shown only when the answers above make it relevant
- Next steps (drying, contractors, specialist reports)Notes
- Policyholder nameShort answer
- Policyholder signatureSignature
- Completed by*Short answer
- SignatureSignature
See it filled in
A completed insurance inspection report, made by SiteSurvey from a fictional site visit: every answer, the photos, the guidance that applied and the sign-off, ready to send as a PDF.
Insurance inspection FAQs
Should damaged items be kept?
The ABI advises not to rush to throw damaged items away, unless they are a health hazard, as the insurer may want to inspect them. If you must throw something away, photograph it first. The form records whether items were kept.
What about emergency repairs?
The ABI says to arrange temporary repairs if needed to stop damage getting worse, call the insurer's helpline first if you can, and keep receipts, as they form part of the claim. Record what was done.
What must the insurer do?
Under the FCA's ICOBS 8.1 rules, an insurer must handle claims promptly and fairly, give reasonable guidance to help a policyholder claim and information on its progress, and not unreasonably reject a claim.
What about alternative accommodation?
The ABI says that if a home is uninhabitable during repairs, the insurer will arrange and pay for temporary accommodation in line with the policy. The form records whether it is needed.
Does it total the damage?
Yes. Enter the estimated cost for each area and the form shows the building damage estimate. Each area becomes a space with its own photos, and for theft or malicious damage the form asks for the police crime reference.
Who uses this?
Loss adjusters, insurance surveyors, claims handlers, repair networks and property managers.
Related
Related templates
Templates that go with the insurance inspection form
A property damage report for insurers, landlords and contractors: what happened and when, the cause, each area of damage with photos, measured size and estimated cost, totals by severity, making safe, police and insurer references.
A water leak investigation record linking reported symptoms, accessible observations, authorised test evidence, probable sources, uncertainty and next actions.
Record repeat moisture readings at identified monitoring points against a dry standard, change since the last visit, days drying, air moisture in g/kg, and drying equipment changes on a restoration visit.
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