{"id":4942,"date":"2022-06-27T09:00:33","date_gmt":"2022-06-27T09:00:33","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4942"},"modified":"2022-07-27T13:22:12","modified_gmt":"2022-07-27T13:22:12","slug":"reasons-for-home-insurance-inspections-to-fail","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/reasons-for-home-insurance-inspections-to-fail\/","title":{"rendered":"Causas comunes de inspecciones fallidas de seguros de propietarios de viviendas"},"content":{"rendered":"

Una inspecci\u00f3n de seguros de propietario de vivienda es diferente de una inspecci\u00f3n de vivienda en que generalmente se realiza con el fin de obtener o renovar una p\u00f3liza. Sin embargo, existen otras razones por las que se puede realizar este tipo de inspecci\u00f3n. Independientemente de lo que se aplique en su situaci\u00f3n, es importante ser consciente de lo que podr\u00eda resultar en una inspecci\u00f3n fallida. A continuaci\u00f3n, repasamos lo que normalmente se inspecciona y algunas de las razones comunes de falla.<\/span><\/p>\n

Razones para una Inspecci\u00f3n de Seguros de Vivienda<\/h2>\n

UNA <\/span>Seguro para propietarios de casas<\/span><\/a> la inspecci\u00f3n no siempre es absolutamente necesaria o requerida. Por ejemplo, si se muda a una casa reci\u00e9n construida o a una que no es demasiado antigua, es posible que su proveedor solo requiera cierta informaci\u00f3n b\u00e1sica para configurar su p\u00f3liza. Se puede requerir, solicitar o necesitar una inspecci\u00f3n del seguro de propietario de vivienda por otros motivos, entre ellos: <\/span>
\n<\/span>
\n<\/span>\u2022 Su casa es m\u00e1s antigua<\/span>
\n<\/span>\u2022 Ha estado presentando m\u00e1s reclamos recientemente<\/span>
\n<\/span>\u2022 Hay una necesidad de determinar el valor de reemplazo de ciertas cosas en o relacionadas con su hogar<\/span>
\n<\/span>\u2022 Ha pasado mucho tiempo desde la \u00faltima inspecci\u00f3n de su casa<\/span><\/p>\n

\u00bfQu\u00e9 se inspecciona t\u00edpicamente?<\/h2>\n

Un inspector normalmente analiza todos los componentes y sistemas esenciales de una casa. El motivo para hacerlo es detectar posibles se\u00f1ales de alerta que podr\u00edan provocar da\u00f1os costosos o graves. Esto tambi\u00e9n se hace para determinar si existen riesgos de responsabilidad significativos, como un pasillo agrietado o da\u00f1ado que conduce a la entrada principal de la casa. Por lo general, una inspecci\u00f3n de seguro de propietario de vivienda incluye una evaluaci\u00f3n de los siguientes aspectos relacionados con la vivienda: <\/span>
\n<\/span>
\n<\/span>\u2022 Sistema de plomer\u00eda<\/span>
\n<\/span>\u2022 Sistema de climatizaci\u00f3n<\/span>
\n<\/span>\u2022 Sistema el\u00e9ctrico<\/span>
\n<\/span>\u2022 Techo y estructuras relacionadas<\/span><\/p>\n

Razones comunes para una falla de inspecci\u00f3n<\/h2>\n

Anything that could be a potential hazard beyond what’s reasonably expected is a possible reason for an inspection failure. For example, outdated wiring increases the odds of having an electrical fire. Some of the other reasons an inspection may fail include: <\/span>
\n<\/span>
\n<\/span>\u2022 Foundation-related damage (e.g., exterior wall cracks, sagging floors, etc.) <\/span>
\n<\/span>\u2022 Tejas faltantes, ca\u00eddas y otros problemas graves relacionados con el techo<\/span>
\n<\/span>\u2022 Da\u00f1os visibles por agua<\/span>
\n<\/span>\u2022 Podredumbre o descomposici\u00f3n<\/span>
\n<\/span>\u2022 Violaciones de c\u00f3digo notables<\/span>
\n<\/span>\u2022 Infestaciones de animales o insectos<\/span><\/p>\n

Posibles banderas rojas<\/h2>\n

Un inspector tambi\u00e9n tomar\u00e1 nota de cualquier cosa riesgosa o peligrosa que se destaque claramente. Adem\u00e1s de lo que ya hemos mencionado, las se\u00f1ales de alerta observadas durante una inspecci\u00f3n de seguros de propietarios de viviendas pueden incluir:<\/span>
\n<\/span>
\n<\/span>\u2022 Fugas de refrigerante y otros problemas claros de HVAC<\/span>
\n<\/span>\u2022 La presencia de moho<\/span>
\n<\/span>\u2022 Ventanas rotas o puertas o ventanas gravemente da\u00f1adas<\/span>
\n<\/span>\u2022 La presencia de materiales t\u00f3xicos como el amianto<\/span>
\n<\/span>\u2022 Inundaciones en el patio y otras indicaciones de problemas significativos de drenaje<\/span>
\n<\/span>\u2022 Tuber\u00edas, accesorios o electrodom\u00e9sticos con fugas<\/span><\/p>\n

Qu\u00e9 hacer si falla una inspecci\u00f3n<\/h2>\n

Despu\u00e9s de realizar una inspecci\u00f3n, su proveedor de seguros eval\u00faa los resultados. Si la inspecci\u00f3n fall\u00f3 o se observaron se\u00f1ales de alerta, probablemente se le dar\u00e1 una cantidad de tiempo razonable para solucionar los problemas. De lo contrario, sus tarifas pueden ajustarse o, en casos extremos, su p\u00f3liza puede cancelarse o no renovarse. Abordar cualquier inquietud o problema que surja cuando los note por primera vez es la forma m\u00e1s efectiva de reducir el riesgo de tener problemas con el seguro de vivienda.\u00a0<\/span><\/p>\n

Para obtener un seguro de vivienda asequible y confiable, los propietarios de viviendas de San Diego saben que pueden confiar <\/span>Altra Insurance<\/span> Servicios. Tambi\u00e9n proporcionamos inquilinos, comerciales, motocicletas y seguro de auto San Diego<\/a> Puede recibir una cotizaci\u00f3n gratis llamando a uno de nuestros amigables agentes hoy al (619) 404-6311.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Una inspecci\u00f3n de seguros de propietario de vivienda es diferente de una inspecci\u00f3n de vivienda en que generalmente se realiza con el fin de obtener o renovar una p\u00f3liza. Sin embargo, existen otras razones por las que se puede realizar este tipo de inspecci\u00f3n. Independientemente de lo que se aplique en su situaci\u00f3n, es importante ser consciente de lo que podr\u00eda resultar en un... <\/p>\n

Continue reading “Common Causes of Failed Homeowners Insurance Inspections”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4944,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-4942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"\nWhat Will Fail a Homeowners Insurance Inspection?<\/title>\n<meta name=\"description\" content=\"Some insurance providers require inspections before you can get homeowners insurance. 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