Loss control recommendations, matched to the insured's replies before the carrier's deadline.

The letter lists what the carrier wants changed, usually naming the building, with a date it wants to hear back. Your account manager forwards it to the owner or the property manager and waits. Replies come in as invoices, contractor letters, photos and one-line emails, some answering half an item and some answering a different one. Somebody has to pair each with the right recommendation and get an answer back in time.

For the test, AI reads copies of the letter and everything that came back, then builds a recommendation file: each recommendation as written, the building it applies to, the due date and any extension on file, each document received beside the item it speaks to, and what is still open. It calls nothing complete. Your reviewer holds each file against how that letter actually closed.

The letter is about insurability. ISO's Common Policy Conditions, form IL 00 17, gives the insurer the right to inspect, report what it finds and recommend changes, and says those steps relate only to insurability and the premiums to be charged. It disclaims safety inspections and any warranty that conditions are safe or comply with laws, codes or standards. So a file records what the carrier asked and whether the carrier accepted the answer, never whether the building is safe. The draft keeps to that line.

What an open item can mean depends on the state. Maine's 24-A section 3007 lists failure to comply with reasonable loss control recommendations among the grounds for cancelling a property policy before it expires, excepts surplus lines contracts and has the notice state the effective date and the reason. Louisiana's R.S. 22:1267 lists the same failure among acts that change or increase a hazard, reaches commercial property, leaves out surplus lines, and since July 1, 2026 has called for 60 days' notice on that ground. The Office of General Counsel of New York's insurance regulator went the other way in a 2009 opinion: failing to comply with an insurer's recommendations is not, by itself, a valid basis to cancel a new or renewed commercial lines policy under section 3426. The file names the policy's state and leaves the reading to your licensed staff. This is a short summary, not legal or insurance advice.

Every item has a building and someone who has to act. One carrier's habitational supplemental asks who is responsible for building maintenance and upkeep: the applicant, a professional property management service or someone else. The same form asks about pools with slides or diving boards, fencing and visible depth markings, playground surfaces, grills on balconies, porches or wood decks, and whether smoke detectors are hard-wired or battery, and if battery, how often they are checked. A recommendation can point at any of those, on one building out of many, and each needs different proof: a photo, an invoice, a log. The draft keeps the owner, the manager and the building straight on every line.

A reply has to say what was done. Aluminum branch wiring shows why. The Consumer Product Safety Commission's Publication 516, dated June 2011, approves only three methods as a permanent repair: complete replacement with copper cable, the COPALUM crimp method, and the AlumiConn connector where COPALUM isn't available, and it recommends against other crimp connectors. An invoice that says only that the wiring was repaired doesn't show which. Whether a repair satisfies the recommendation is the carrier's call, so the draft lists what the document actually says and leaves the item open until someone licensed decides.

Some items sit closer to coverage, and some answers already exist. A protective safeguards endorsement makes named protections, such as an automatic sprinkler system, a condition of coverage, and an unreported impairment can suspend that coverage until the protection is back. When a recommendation touches a safeguard listed on the policy, the draft puts it first for your account manager. And public owners write this into their buying: the Clarion County Housing and Redevelopment Authority's 2026 request wants insurers willing to provide inspection and loss prevention services, with copies of all reports and recommendations sent to the authority, which also inspects every unit annually under federal rules. An item may be answered by a report made for another reason, if someone connects the two.

If your reviewer says yes, new recommendation letters get the same file for about 30 days.

A licensed person reads every file and decides what is answered, what to chase and what to tell the carrier. Replies leave your agency the way they do today.

Any further job is your call, one at a time and priced on its own, with monthly support after that.