A clear opinion of the operation, not a pile of observations.
The useful output connects the operation, material hazards, management controls, loss history, evidence quality, and unresolved uncertainty to the decision in front of the underwriter.
- Scope the actual underwriting question before field work begins.
- Make the report answer the question it was commissioned to answer.
- Label fact, inference, judgment, and open item separately.
- Recommend an action with ownership and a date.
