West Pecan Field Services

05/30/2026

Perfectly code-compliant door. We have a 1,500 word opinion about it anyway.

I was on a routine survey at an apartment complex recently when I noticed something worth stopping on. The amenity building (restrooms, fitness room, one additional space, roughly 1,500 square feet) had a single point of ingress and egress.

05/08/2026

98% of large US firms plan to reassess their insurance programs in 2026. That number is less interesting than the structural shift underneath it.

Large firms are moving away from guaranteed-cost programs and toward loss-sensitive structures. The reasoning, from Jeff Cole at Sentry Insurance in a recent Insurance Business America piece: executives want immediate returns on safety investments rather than waiting for experience mods to catch up at the next renewal.

That shift changes what loss control actually is.

Under a guaranteed-cost program, an inspection is largely a compliance artifact. The premium is set. The recommendations may or may not move the needle for years. Under a loss-sensitive program, every documented hazard, every recommendation, and every verified correction has a direct line to the insured's bottom line. Deductibles are higher. Retained losses hit faster. The math rewards accuracy and punishes drift.

For risk managers and operations leaders, three practical implications:

The quality of the inspection report matters more, not less. A vague survey under a loss-sensitive program is a financial liability, not just a paperwork problem.

Recommendations are no longer suggestions to file. They are line items with a payback period. Closing them out promptly is now a measurable financial activity.

The inspector's documentation becomes part of the evidentiary record on premises condition, notice, and corrective action. In a nuclear verdict environment, that record cuts both ways depending on what it shows.

Loss control has always been worth doing well. The shift to loss-sensitive programs just makes the cost of doing it poorly visible on a much shorter timeline.

Source: Insurance Business America, "Why nearly all large US firms are planning an insurance overhaul in 2026," May 2026.

Source Article Link: https://www.insurancebusinessmag.com/us/news/breaking-news/why-nearly-all-large-us-firms-are-planning-an-insurance-overhaul-in-2026-574219.aspx

04/23/2026

We spent some time this week reviewing a local contractor's public social media page. This contractor works at apartment communities across the Austin area and regularly posts job site photos.

What we found was not good. Multiple properties. Same unsafe practices repeated across every job. All public. All timestamped.

This contractor has no idea how much of a liability problem they have created for themselves -- and for the property owners who hired them.

There is a conversation happening in commercial property management that most owners and managers are not having yet. It is not about cap rates or vacancy trends or interest rates.

04/07/2026

One of the most consistent findings in commercial insurance inspections: written safety programs are missing, informal, or have been "in progress" for longer than anyone can account for.

It is a pattern, not an outlier.

We wrote about why it happens, what it costs, and what a defensible program actually requires at minimum.

👉 https://www.linkedin.com/pulse/what-loss-control-inspectors-actually-see-written-program-cvroc