How many days does a producer have to inspect a property after writing a fire insurance policy on it?

In Tennessee, when a fire insurance policy is written, the producer is given a specific timeframe within which to conduct an inspection of the property insured. This timeframe is established to ensure that the underwriting process is thorough and that the underwriter has a clear understanding of the property's condition and any potential risks associated with insuring it.

The correct answer highlights that the producer has 90 days to inspect the property after the policy is issued. This duration allows sufficient time for the producer to assess the property in detail, which is essential for underwriting decisions. Inspections can help identify any hazards or conditions that might affect the insurer's liability and determine whether adjustments are needed in coverage or premium amounts based on the actual condition of the property.

This 90-day period emphasizes the balance between the immediacy of property coverage and the necessity of careful evaluation to minimize underwriting risk.