What type of policy allows a company to validate claims through inspection?

Property insurance is the type of policy that allows a company to validate claims through inspection. This is primarily because property insurance covers tangible assets such as homes, vehicles, and businesses, which require physical verification after a loss occurs. When a claim is filed, the insurer often sends adjusters or inspectors to the site of the loss to assess the damage and confirm the validity of the claim. This process may include examining damaged property, reviewing any evidence of the loss, and determining the extent of coverage applicable based on the policy terms.

In contrast, liability insurance typically focuses on coverage for legal obligations resulting from injuries or damages to other parties, not requiring physical inspections of properties. Life insurance and health insurance policies generally deal with benefits payable upon death or for medical expenses, respectively, and are less reliant on direct inspection for claim validation. Thus, the nature of property insurance specifically allows for thorough claim validation through physical inspection, making it the correct choice in this scenario.