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Mercantile / Warehouse / LRO Field Inspection Worksheet
Field worksheet for multi-tenant mercantile buildings, warehouses and lessor’s risk, documenting occupants, construction, protection and premises conditions.
Record actual wall, floor and roof construction; do not infer ISO class from exterior paint or façade. Confirm the insured’s property interest and responsibility for common areas.
Tenants / Units / Occupancy
Underwriting Focus — Accurate tenant listing
A generic “warehouse” does not tell underwriting what is stored or performed. List each tenant’s operations; flag auto repair, restaurant, manufacturing, paint, hot work, combustibles and large storage accumulations.
Fire / Life Safety / Tenant Controls
Underwriting Focus — High-hazard tenants and cooking
If a tenant cooks with grease-producing commercial appliances, photograph the hood cleaning, suppression and Class K tags separately and obtain each date. Note restricted tenant access rather than guessing.
Exterior / Utilities / Liability / Losses
Underwriting Focus — LRO and shared exposures
For a landlord-only exposure, verify which areas are controlled by landlord vs occupants. Inspect customer routes, common areas, rear delivery hazards and visible fire-service access.
Photos to Obtain
Required: readable service tags (if applicable), complete condition/context photos for each recommendation. Never photograph identifying clients without permission.
Narrative Insert
The risk owns / leases a ____-story ____ construction mercantile/warehouse property at ____ containing ____ sq. ft., approximately ____ miles from ____. Roof and building system updates consist of ____, with housekeeping rated ____.
The building has ____ tenant units, ____ vacant, consisting of ____% office/retail and ____% warehouse. Occupants include ____ with higher-hazard operations ____. Unit design, bay doors, common areas and general operating hours are ____.
Fire alarm, smoke detection, sprinkler coverage, extinguishers, exits and emergency lighting consist of ____. Applicable commercial cooking service-tag dates are ____. Common electrical areas, rear/parking surfaces, lighting and security are ____. Reported losses / observed exposure concerns include ____.