Century 21 Winklhofer
Century 21 Winklhofer
Kimberly Salvatoriello, Century 21 WinklhoferPhone: (716) 940-0264
Email: [email protected]

How do you prepare for a home insurance inspection?

by Kimberly Salvatoriello 08/01/2022

To obtain or keep a homeowners insurance policy, your home may need to have a home insurance inspection. Insurance companies use inspections to identify any liability issues with your property and determine the amount of risk associated with its condition or features.

If you take some time to prepare, you might be able to identify some of these issues and fix them before the inspection happens. This can result in a better report, but also help you avoid any unpleasant surprises. Here are some things you can do to prepare for a home insurance inspection:

Examine exterior features

There are several outside portions of your home you can check before an inspection. Some possible issues include:

  • Loose or missing roof shingles.
  • Cracks in the chimney.
  • Unsecured or clogged gutters.
  • Hanging tree limbs over the roof or other home structures.
  • Uneven driveway or walkway pavement.

Inspect your home’s interior

Examine the interior of your home to find and resolve any problems before they’re discovered during the inspection. Some things to make a note of include:

  • Dead batteries in carbon monoxide and smoke detectors.
  • Pest or water damage in the attic, basement or crawl space.
  • Leaky plumbing fixtures.
  • Loose electrical outlets.

What happens if you fail a home insurance inspection?

Even with preparation, the results of your inspection may not be ideal. If the insurance company finds major issues with your home interior or exterior, they might give you a deadline to resolve them to keep your coverage. If your home is too risky, you may be denied coverage entirely.

Regardless of inspection reports, the more you know about the condition of your home, the better. Remember to check for these issues periodically to ensure your home remains in the best possible condition, regardless of your insurance coverage.

About the Author
Author

Kimberly Salvatoriello

My commitment as your local REALTOR is to provide you with the specialized real estate service you deserve.  I will work diligently to assist you in meeting your real estate goals. When you are an informed buyer/seller, you'll make the best decision for one of the most important purchases/sales in your lifetime. That's why my goal is to keep you informed on trends in the marketplace by using the latest statistics in your local area. Having an experienced and knowledgeable agent is now more important than ever.

Over the years I've lived in New Jersey, Florida, North Carolina, Texas and New York, so I am very familiar with relocating to a new area. I've been selling real estate since 2002 and love my job! You'll find my style is straightforward and sincere. I focus on getting you all the information you'll need to make the best decision. "Pushy" is just not in my nature. That's why many of my clients come back and happily refer their friends or family to me for all of their real estate needs.

My success is not measured by sales, but by the relationships I build along the way. Hopefully, we can build a lasting relationship together.