To prepare for a surveyor’s visit, whether for your home, school, or commercial facility, you need to ensure all documentation is in order—building plans, maintenance records, and safety certifications. Also, make any necessary repairs before their inspection. Addressing issues upfront can save you from higher premiums or policy exclusions. Proper preparation not only ensures smooth underwriting but also demonstrates that you’ve actively reduced risks, securing your property’s financial protection. #PropertyInsurance #RiskAssessment #InsuranceSurveyor #RiskManagement #CommercialInsurance #PersonalInsurance
A LESSON FROM CHINEDU EXPERIENCE AFTER GETTING A PROPERTY INSURANCE Chinedu had always taken pride in his achievements. At 35, he owned a small factory in Lagos and had just built his dream home. When it came time to insure both properties, he assumed it would be a quick process—sign the papers and enjoy the peace of mind that insurance offers. But when the insurance company told him they would send a surveyor to inspect his properties, Chinedu hesitated. His friends warned him, “Those surveyors are just there to find faults and increase your premiums or not pay you when something happen sef,” and he believed them. The surveyor arrived to assess Chinedu’s home first. He was polite and professional, but Chinedu kept his distance, feeling uncomfortable as the surveyor examined the structure and wiring. The same happened at his factory—Chinedu was reluctant to answer questions or provide access to some areas. “They just want to find reasons to charge me more,” he thought. A week later, Chinedu received the surveyor’s recommendations. It highlighted several areas of concern: his home had old electrical wiring that could be a fire hazard, and the fire safety equipment in his factory wasn’t up to standard. But instead of raising his premiums or denying him coverage, the insurance company gave him time to fix the issues. They even offered suggestions on where to get the right safety equipment. Chinedu was surprised. He followed the recommendations and made the necessary upgrades. After a follow-up inspection, his properties were deemed safer, and his insurance premiums were even lower than what he initially expected. Not only had he improved the safety of his home and factory, but he also reduced his risk of future incidents, which gave him peace of mind. Reflecting on the experience, Chinedu realized the surveyor wasn’t there to penalize him or disrupt his business. Instead, they helped him protect his investments and prevent costly accidents down the road. Had he not allowed the surveyor to do their job, he might have overlooked critical risks that could have led to much bigger problems in the future. --- The Moral of the Story Just like Chinedu, many property owners, especially in Nigeria don’t understand the value of an insurance surveyor. But by cooperating with the surveyor and making the necessary improvements, you not only reduce your risks but may also benefit from better insurance terms. When you take out insurance—whether for your home, school, factory, or mall—don’t view the surveyor as a threat. They’re your partner in safeguarding your assets. Always be prepared, offer the support they need, and you’ll benefit from their insights in ways you didn’t expect. #InsuranceSurveyor #PropertyInsurance #RiskAssessment #RiskManagement #Nigeria #CommercialInsurance #PersonalInsurance #Awareness #Preparedness