High-Rise Apartment / Condo — LCA Field Module

Ownership / Building / Residents

Owner/association / property contact

Building address / website

Inspection date / inspector

Building count / stories / total SF

Unit count / unit types

Owner occupancy / rentals / seasonal %

Commercial units / other uses

Building vs association maintenance scope

Underwriting Focus — Ownership / Building / Residents

Confirm which structures and spaces fall within the assignment, especially when association vs unit-owner responsibilities differ.

First-Level / Building Spaces

Management office / staff hours

Lobby / security desk / access

Maintenance / storage / electrical rooms

Clubhouse, social room or gym

Kitchen / cooking in common rooms

Common laundry / dryer exhaust

Other ground-floor / roof amenities

Underwriting Focus — First-Level / Building Spaces

Identify accessible common rooms and separate tenant occupied spaces.

Means of Egress / Staffing / Security

Hallways / interior & exterior stairs

Elevator count / access / emergency controls

Corridors, exit signs, lighting, doors

Access controls / guard / CCTV

On-site managers / security / maintenance

Evacuation / fire department access

Underwriting Focus — Means of Egress / Staffing / Security

Egress must be documented for this specific building; do not assume stair doors, lights or systems are functioning.

Fire Protection / Power Systems

Fire alarm / smoke detection / monitoring

Sprinklers / percentage & covered areas

Extinguishers / sprinkler or alarm tags

Standby generator / ATS / fuel

Rated doors / stair enclosure observations

Main electrical / HVAC / water systems

Roof age / storm protection / upgrades

Underwriting Focus — Fire Protection / Power Systems

Document sprinkler coverage by building/area and the visible service records, not just Yes or No.

Pools / Recreation / Water Exposures

Pool count / location / access enclosure

Life ring / shepherd hook / rule signs

Drain covers / VGBA evidence

Spas / timer / signage

Tennis / shuffleboard / other courts

Fitness equipment / securing / signs

Water features / canal / lake

Underwriting Focus — Pools / Recreation / Water Exposures

Photos of drain covers are not proof of VGBA compliance. Obtain records or report as not confirmed.

Grounds / Values / Report

Monument signs / decorative walls

Gatehouse / controlled entry

Parking / pavement / walkways / lighting

Common-area BPP / building values

Reported losses past five years

Areas/records not independently reviewed

Underwriting Focus — Grounds / Values / Report

Document exterior areas and relevant loss trends without inferring association ownership of every feature.

Photographs to Obtain

Check when obtained. Priority photographs are bold; required only where applicable, safe and permitted. Record restricted access or missing documentation.

Editable Narrative Insert

Replace bracketed cues with reported or verified facts; delete claims that do not apply. Save your draft and copy the finished narrative into the report.

The insured is [owner/association], responsible for [specified areas] at this [stories]-story [condominium/apartment] building located at [address]. There are [units] residential units with [owner/rental/seasonal] occupancy and [minimum rental term] if applicable. Ground-level uses include [lobby, management office, security, maintenance, laundry and common rooms]. Other commercial or recreational areas include [details].

Residents reach their units through [halls/catwalks] with [number] stairwells and [number] elevators. Fire protection consists of [alarm, sprinklers and actual extent, extinguishers and test records]. Emergency power consists of [generator/ATS/test details or not present]. Security and staffing arrangements include [details].

Common amenities include [pool/spa/gym/courts], with observed barriers, lifesaving equipment, signs and drain-cover documentation described as [details]. The exterior, parking, waterways and common areas were [observations]. Reported losses include [details]; unverified areas or records include [limitations].

The insured is [owner/association], responsible for [specified areas] at this [stories]-story [condominium/apartment] building located at [address]. There are [units] residential units with [owner/rental/seasonal] occupancy and [minimum rental term] if applicable. Ground-level uses include [lobby, management office, security, maintenance, laundry and common rooms]. Other commercial or recreational areas include [details]. Residents reach their units through [halls/catwalks] with [number] stairwells and [number] elevators. Fire protection consists of [alarm, sprinklers and actual extent, extinguishers and test records]. Emergency power consists of [generator/ATS/test details or not present]. Security and staffing arrangements include [details]. Common amenities include [pool/spa/gym/courts], with observed barriers, lifesaving equipment, signs and drain-cover documentation described as [details]. The exterior, parking, waterways and common areas were [observations]. Reported losses include [details]; unverified areas or records include [limitations].

Recommendations / Follow-Up

Document only visible or otherwise supported concerns. Cite the condition, location and action needed. Use “unable to confirm” where appropriate.