Section 13(1) in Insurance Regulatory and Development Authority of India (Insurance Surveyors and Loss Assessors) Regulations, 2015
(1)The following, shall, inter alia, be the duties and responsibilities of a Surveyor and Loss Assessor:-(a)declaring whether he has any interest in the subject-matter in question or whether it pertains to any of his relatives, business partners or through material shareholding;Explanation. - For the purpose of this clause 'relatives' shall mean any of the relatives as defined in Subsection (77) of Section 2 of the Companies Act, 2013;(b)Bringing to the notice of the Authority, any change in the information or particulars furnished at the time of issuance of license, within a period not exceeding fifteen days from the date of occurrence of such change, that has a bearing on the license granted by the Authority(c)maintaining confidentiality and neutrality without jeopardising the liability of the insurer and claim of the insured;(d)conducting inspection and re-inspection of the property in question suffering a loss;(e)examining, inquiring, investigating, verifying and checking upon the causes and the circumstances of the loss in question including extent of loss, nature of ownership and insurable interest;(f)conducting spot and final surveys, as and when necessary and comment upon franchise, excess/under insurance and any other related matter;(g)estimating, measuring and determining the quantum and description of the subject under loss;(h)advising the insurer and the insured about loss minimisation, loss control, security and safety measures, wherever appropriate, to avoid further losses;(i)commenting on the admissibility of the loss as also observance of warranty conditions under the policy contract;(j)surveying and assessing the loss on behalf of insurer or insured;(k)assessing liability under the contract of insurance;(l)pointing out discrepancy, if any, in the policy wordings;(m)satisfying queries of the insured/insurer and of persons connected thereto in respect of the claim/loss;(n)recommending applicability of depreciation, percentage and quantum of depreciation;(o)giving reasons for repudiation of claim, in case the claim is not covered by policy terms and conditions;(p)taking expert opinion, wherever required;(q)commenting on salvage and its disposal wherever necessary.
