Vacant Building Insurance Inspections

TFS helps underwriters evaluate vacant property exposures with clear, consistent inspections focused on security, utilities, vacancy duration, future plans, and construction or renovation activity.

Vacancy Duration & Plans

Document how long the property has been vacant and what comes next for the building.

Security & Monitoring

Review building security, inspection frequency, and protection against loss while vacant.

Utilities & Property Condition

Capture water, electrical, and condition details that affect vacancy-related exposures.

Renovation & Contractor Exposure

Evaluate demolition, construction plans, contractor controls, and insurance details.

What We Review

TFS documents the vacancy and renovation exposures that matter most to underwriters, carriers, MGAs, and agents.

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Vacancy History & Future Plans

  • Length of vacancy
  • Whether the building has been vacant more than 2 years
  • Plans for the building or unit
  • Whether the applicant plans to occupy after construction
  • Expected use and project timing
  • General property strategy moving forward
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Security & Property Protection

  • Building security procedures
  • How often the building is checked
  • Whether checks occur less frequently than quarterly
  • Electricity and water status
  • General vacancy protection controls
  • Risk management approach while the building is vacant
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Construction & Renovation Exposure

  • Demolition or construction activity
  • Expected start and completion dates
  • Estimated cost of renovations in the next 12 months
  • Project description and who is completing the work
  • Certificates of insurance from contractors and subcontractors
  • Written contracts, additional insured status, and scaffolding exposure

Why It Matters for Underwriting

Vacancy Control

Clarifies how long the building has been vacant and whether the risk profile is changing.

Property Protection

Shows what safeguards are in place to protect a vacant structure from common causes of loss.

Renovation Disclosure

Highlights active or planned construction that may materially alter the exposure.

Contractor Liability Insight

Documents contractor controls, insurance requirements, and risk transfer considerations.

Need help choosing the right inspection type?

Our team is here to help match your underwriting needs with the right solution.

Talk to Our Team