ProFire

Insurance & Mortgage Fire Risk Assessments

Insurance & Mortgage Fire Risk Assessments - An Overview

Professional Fire Risk Assessments for Insurers & Mortgage Lenders

Fire Risk Assessment reports for insurance and mortgage purposes are often required by insurers, mortgage lenders and valuers before cover is issued, renewed or a property transaction can proceed.

These reports confirm that a building has been assessed for fire risk and that appropriate fire safety measures are in place, helping lenders and insurers understand risk and compliance clearly.

ProFire Compliance provides clear, professional Fire Risk Assessment reports specifically prepared for insurance and mortgage requirements.

All reports are PAS 79–aligned, evidence-based and written in clear, non-technical language suitable for submission to insurers, lenders, solicitors and managing agents. Each report includes photographic evidence, a clear risk evaluation and a prioritised action plan where required.

Our Insurance & Mortgage Fire Safety Reports support landlords, property owners, managing agents, buyers and sellers by providing the documentation needed to satisfy lender and insurer conditions quickly and confidently. By assessing means of escape, fire detection systems, emergency lighting, fire doors and overall fire-safety management, we help ensure properties are risk-assessed, compliant and transaction-ready, avoiding unnecessary delays or complications.

North London Fire Risk Assessments
Insurance and mortgage Fire Risk Assessments

Your Partner in Fire Risk Assessments

All assessments follow PAS 79 methodology and are completed by qualified Fire Risk Assessors at Associate level with the Institute of Fire Safety Managers (IFSM).

Insurance & Mortgage Fire Risk Assessments

What’s Included in an Insurance / Mortgage Fire Risk Assessment

Our assessment provides the clarity and compliance evidence insurers and lenders look for:

  • Building fire safety condition
  • Fire detection & alarms (BS 5839)
  • Fire doors, compartmentation & escape route protection
  • Electrical and ignition risks
  • Building construction, layout & occupancy risks
  • Housekeeping, storage & bin area risks
  • Assessment of external walls (where applicable)
  • Firefighting equipment (BS 5306)
  • Emergency lighting (BS 5266)
  • Evacuation strategy & resident profile
  • Review of existing documentation & maintenance
  • Detailed photographic evidence
  • Clear, prioritised risk action plan
 

We provide Insurance and Mortgage Fire Risk Assessments across North London and Hertfordshire, supporting landlords, property owners and managing agents with lender and insurer requirements.

Why You Need This Fire Risk Assessment?

Insurance & Mortgage Fire Risk Assessments are typically required for:

  • Mortgage approval or refinance
  • Property purchase or sale
  • Insurance renewal
  • Change of insurer
  • Lender request during valuation
  • Higher-risk buildings (converted flats, mixed-use, HMOs)
  • New landlords or portfolio refinancing
 

If your insurer or lender has asked for a Fire Risk Assessment, we can help you meet the requirement.

Deliverables
  • PAS 79–Aligned Fire Risk Assessment
  • Fire Safety Report Suitable for Insurers & Lenders
  • Clear Risk Rating & Compliance Summary
  • Photographic Evidence of Fire Safety Measures
  • Assessment of Means of Escape & Communal Areas
  • Fire Detection, Alarm & Emergency Lighting Review
  • Fire Door & Compartmentation Overview
  • Prioritised Action Plan (Where Required)
  • Clear, Non-Technical Reporting for Third Parties
  • Digital, Shareable PDF Report
  • Fast Turnaround to Support Transactions
  • Optional Clarification for Insurers or Solicitors
Why Choose Us

Why Insurers & Lenders Accept Our Fire Risk Assessments

  • PAS 79–aligned FRA reports
  • Clear, well-structured evidence and reasoning
  • Proportionate, practical recommendations
  • Professional assessor qualifications (IFSM)
  • Comprehensive photographic evidence
  • Fast turnaround for urgent insurance/lender deadlines
  • Compliance with the Fire Safety Order 2005 & Fire Safety Act 2021
  • Reports accepted by insurers, lenders and professional third parties
 
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Professional, Certified Assessors

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Fully Compliant PAS 79 FRA reports

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Clear Fire Risk Ratings Provided

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Lender & Insurer Ready Fire Risk Reports

Insurance & Mortgage Fire Risk Assessments

Meet lender or insurer requirements quickly and professionally.