What is the difference between a nearby structures documentation report and the insurance company's engineering survey report?

answer: 

 The requirement to document adjacent structures when issuing construction insurance has long existed among various insurance companies. If until recently, policyholders did not make a point of conducting such a survey, now, in light of the dramatic changes in the world of construction insurance in recent years, it is required. This is because insurance companies are more or less strict about the aforementioned documentation report, including by explicitly requesting it in the "list pages" of the insurance policy. 

 The requirement is primarily to protect you, the insured , from claims by owners of neighboring buildings. This is no small matter. Often these are claims for large sums that may be filed at any stage of the work, and not just (as is commonly thought) during the excavation and lining stages. 

 Please note that any claim of damage caused to a nearby structure as a result of the work itself can constitute grounds for such a claim, whether it is direct damage or indirect damage.

 If the insured has been careful to prepare a report in advance to document the condition of the nearby structures, he and the insuring insurance company have appropriate tools to defend against the claim, including false claims, which are unfortunately not uncommon. 

 Issuance of contractor work insurance with an extension in Chapter B (third party) for damage to adjacent structures must be supported by a preliminary documentation report of their condition prior to the commencement of work (except in cases where the neighboring structures are sufficiently distant or the area and land are "virgin").

 Is the insurance surveyor's survey sufficient? The answer is no. The insurance surveyor does not document or examine the condition of the adjacent structures, but only generally describes the distance of the neighboring structures from the boundaries of the work site.

 In order for the "shaking, vibration and weakening of support" extension existing in the policy to take effect, the insured is required to prepare a report documenting the condition of the adjacent structures at his own expense and before the work begins . 

 This is especially important in the early and most dangerous stages for nearby structures, including excavation, lining, and foundation construction, but is also required in advanced stages. Remember that even damage observed at a later date can still lead to claims being made regarding its origin in the insured's work.