Module 1 – Inspection Commonalities
Chapter 4: Quality Control
Every mortgage field service company utilizes a form of quality control to ensure that inspectors are providing accurate results. Some companies review each inspection while others spot check and have flags as indicators which cause the Quality Control Department to check the inspection more closely. Quality control checks can easily be run on individual properties if there is a history in the database or on individual inspectors to monitor the quality of their work. Field checks can be accomplished by swapping routes. This approach involves the rotation of inspections between different field inspectors to ensure that they are visiting the correct properties. Another method of doing a field check is to employ an independent quality control inspector who would provide impartial results as an unbiased inspector. One of the most common quality control issues is table topping. This occurs when an inspection report is completed without physically visiting the subject property. Many mortgage companies now require a photo of the property on every visit, and some require the photos have a date stamp. Additionally, some companies require a photo of the house number and/or mailbox. Photos can then be reviewed internally to ensure duplicate photos are not being used. Inconsistent results can be another quality control issue. When inconsistent data is received, it quite often generates a second visit to the property. Quality control is a vital step in verifying the results from the field are accurate prior to reporting them to the client for reimbursement.