Electrical findings recur in nearly every home. Phrase them cleanly, photograph them properly, and they survive agent pushback and callbacks.
Electrical is where precision pays. Vague wording — "electrical issues noted, consult electrician" — invites follow-up calls. Location, device, condition, implication, recommendation: that five-part shape ends the conversation in one paragraph.
Missing GFCI protection where expected: kitchens, bathrooms, garage, laundry, exterior, and anywhere near water. State the location and that shock protection is absent — recommend GFCI protection by a qualified electrician. Open grounds and reverse polarity: report the tester reading, the outlet location, and that it indicates a wiring fault. Double-tapped breakers (two conductors under one lug not rated for it): photo the panel with the conductors visible and recommend correction. Panel concerns — overcrowded wiring, missing knockouts and dead-front screws, corrosion, scorching: describe what you see, recommend evaluation, do not diagnose the repair.
Panel with the dead front on, then off; the label schedule legible; close-ups of each defect with the location identifiable. Straight-on, in focus, lit — the same standards that keep insurance files moving. The six shots underwriters want →
Your report should say what the inspection is: a visual, representative sampling of accessible components — not technically exhaustive, not a code-compliance inspection. Check your state SOP for the exact required wording and use it verbatim. Then lean on the library: ~1,190 starter comments across 19 categories mean the GFCI-in-the-garage narrative already exists with location and trade fields ready — edit the specifics, keep the structure. Review every insert before delivery; the library drafts, you decide.
What underwriters want in photos →
Red flags: 7 findings to take seriously →
Photo markup that doesn't destroy evidence →
← All field notes
