With the tightening market, insurance companies have started to perform more inspections to make sure the risks are truly to their standards and that they have been given accurate information regarding the home. This is ultimately a way for them to manage their risk.
- Chimney
- Fencing
- Fire alarm
- Fire extinguishers
- Gutters
- HVAC
- Plumbing systems
- Roof
- Siding
- Windows and doors
When a company only needs to inspect the exterior of the home they are mainly trying to confirm the replacement cost for the dwelling (the home itself) and the other structures (detached garages, sheds, fences, pools, etc…) are correct.
Typically in the range of 1 to 3 months after the effective date of the policy.
Often times the companies will reach out by phone. This being said, over the next few weeks be on the lookout for unfamiliar numbers contacting you. It might be beneficial to have your voicemail set up.
Most likely the home inspector will just conduct an exterior walk around the property. In some unique cases the inspector will request interior access, but this should be conveyed to you ahead of time. In some cases there may not be a physical inspection. The company may request that you submit pictures of certain aspects of your home.
These types of inspections are more common for older homes. The insurance company needs to inspect and confirm aspects like the plumbing, HVAC, and electrical are functioning properly and check to make sure there are no leaks, structural damage, or other issues.
