How about the insurance company that sends inspectors to their clients? If the insurance company has determined that the location meets or exceeds its expectations, how can they turn around after a fire and blame it on everyone else?
Perhaps the best avenue to take would be to eliminate the grandfather clauses that allow defunct systems to continue to be used. If a facility were to be required to update to current standards everytime there is an ownership change, an appliance change, a building permit drawn, a mandatory annual or bi-annual re-inspection performed, or some other criteria, the majority of the problems would be phased out over a relatively small time frame. Not everybody "must comply by Jan 1, 20XX" which would be virtually impossible for inspectors to enforce.
This seems like solid advice to me. As I am just starting out, I'm now going to be extra careful about documenting all the times of my communications.Good information-but keep YOUR insurance company in your cross hairs-they will leave you out to dry. You must prepare for that day now with every service and contact.