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A homeowners insurance inspection is different from a home inspection in that it’s usually done for the purpose of obtaining or renewing a policy. However, there are some other reasons this type of inspection may be conducted. Regardless of what applies in your situation, it’s important to be aware of what could result in a failed inspection. Below, we go over what’s typically inspected and some of the common reasons for failure.
Reasons for a Homeowners Insurance Inspection
A homeowners insurance inspection isn’t always absolutely necessary or required. For instance, if you’re moving into a newly constructed home or one that’s not too old, your provider may only require some basic information to get your policy set up. A homeowners insurance inspection could be required, requested, or necessary for other reasons, including:
• Your home is older
• You’ve been submitting more claims recently
• There’s a need to determine the replacement value of certain things in or related to your home
• It’s been a long time since the last inspection of your home
What Is Typically Inspected?
An inspector typically looks at all the essential components and systems in a home. The reason for doing so is to spot any possible red flags that could result in costly or serious damage. This is also done to determine if there are any significant liability risks, such as a cracked or damaged walkway leading up to the home’s main entrance. Generally, a homeowners insurance inspection includes an evaluation of the following things related to the home:
• Plumbing system
• HVAC system
• Electrical system
• Roof and related structures
Common Reasons for an Inspection Failure
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 For example, outdated wiring increases the odds of having an electrical fire.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:
• Foundation-related damage (e.g., exterior wall cracks, sagging floors, etc.)
• Missing shingles, sagging, and other severe roof-related issues
• Visible water damage
• Rot or decay
• Noticeable code violations
• Animal or insect infestations
Potential Red Flags
An inspector will also take note of anything risky or hazardous that clearly stands out. In addition to what we’ve already mentioned, red flags noted during a homeowners insurance inspection may include:
• Refrigerant leaks and other clear HVAC issues
• The presence of mold
• Broken windows or severely damaged doors or windows
• The presence of toxic materials such as asbestos
• Flooding in the yard and other indications of significant drainage problems
• Leaking pipes, fixtures, or appliances
What to Do if an Inspection Fails
After an inspection is done, the results are evaluated by your insurance provider. If the inspection failed or there were red flags noted, you’ll probably be given a reasonable amount of time to fix the problems. Otherwise, your rates may be adjusted or, in extreme cases, your policy may be canceled or not renewed. Addressing any concerns or problems that come up when you first notice them is the most effective way to reduce the risk of having homeowners insurance issues.
For reliable, affordable home insurance, San Diego homeowners know they can trust Altra Insurance Services. We also provide renters, commercial, motorcycle, and auto insurance San Diego You can receive a free quote by calling one of our friendly agents today at (619) 404-6311.