Your insurer has requested an electrical risk report. The survey itself takes a day. But if the report lands on the underwriter’s desk without the right fault grading, load correction, or standards alignment, it gets rejected and you start again.
Here’s what an insurer-ready thermography report actually needs to include, and why each element matters.
Key Takeaways
- A report needs to prove three things: what was inspected, how severe each fault is, and what action is required.
- Load correction and standardised fault grading are non-negotiable for insurer acceptance.
- Same-day, on-site reporting closes compliance gaps faster than a multi-day turnaround.
What Should an Insurer-Ready Report Include?
Each fault entry needs a thermal and visual image pair, a recorded temperature differential (ΔT), a load-corrected severity grade, and a recommended remedial action. The report must reference the standards under which the inspection was conducted — typically ISO 18436-7 for thermography reporting and BS7671 for electrical inspection compliance.
Asset identification is equally critical. Each inspected component needs a unique identifier, a location reference, and a record of operating load at the time of inspection. This gives the insurer a traceable evidence trail from fault detection to remediation.
How Does Fault Grading Affect Insurance Compliance?
Fault grading converts raw temperature data into a risk classification your insurer can act on. A recorded temperature of 85°C means little to an underwriter without context — a classification of “Serious” under a defined grading taxonomy signals immediate attention is required.
The grading system needs to be consistent across inspections and engineers. If two thermographers survey the same site and produce different severity ratings for the same fault, the report’s credibility collapses. Ti Thermal Imaging uses a four-tier system — Minor, Important, Serious, Critical — determined by load-corrected temperature differentials, not subjective interpretation.
Why Load Correction Matters
Load correction adjusts raw temperature data to reflect what the reading would be at full operating load. Without it, a connection running at 40% load may appear acceptable when it would be Critical at rated capacity. Ti Thermal Imaging applies Automatic BS7671-Compliant Load Correction to every finding via its TICOR™ platform, generated on site during the inspection.
Report Turnaround and Why It Matters for Renewals
Faster report delivery means you can close compliance gaps before a renewal deadline, not after. Ti Thermal Imaging generates audit-ready reports on site using TICOR™, delivering the finished document the same day, with all inspection history accessible via the WEBCOR™ cloud platform for future audits.
Getting It Right First Time
An insurer-ready report built with the right standards, structured fault grading, and load-corrected data avoids the cost and delay of a rejected submission. Request a survey estimate from Ti Thermal Imaging to see what a same-day, audit-ready report looks like.
FAQs
What certification should a thermal imaging consultant hold for insurer reports?
ITC Level 3 or PCN Category 2/3 certification as a minimum for insurer-accepted electrical risk reports.
How quickly can you receive an insurer-ready thermal imaging report?
With on-site reporting technology, a finished report can be delivered the same day as the inspection. Many providers without this capability take 3 to 7 days.
What standards should an electrical thermal imaging report reference?
ISO 18436-7 for thermography reporting methodology and BS7671 for electrical installation compliance.
Can a thermal imaging report replace a standard EICR?
No. A thermal imaging report complements an EICR by detecting faults that visual and contact-based testing miss, such as loose connections and phase imbalance under live load conditions.