What To Expect During A Home Inspection

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What to Expect During a Home Inspection

Purchasing a new home is exciting. You’ve finally found a home to call your own, and goodness, did you learn a lot about the home-buying process. Now you get the possibility of learning what's involved with a home inspection.

Home Inspections are Pretty Standard

There is no need to be alarmed, as a home inspection is a very standard practice where insurance carriers do a check to make sure your home carries a safer risk against the possibility of filing a claim or carrying unnecessary liability.

The process of having a home inspection done for insurance purposes may vary depending on the specific insurance company and the type of insurance you are seeking. However, there are general guidelines for what you can expect.

What to Expect

1. Schedule the Inspection: If a home inspection is required, the insurance company will typically arrange for an inspector to visit your property. They will schedule a mutually convenient time for the inspection.

2. Prepare for the Inspection: Before the inspection, make sure your home is in good condition. Clean up any clutter and ensure that all areas of the property are accessible, including the basement, attic, and crawl spaces. It's also helpful to gather any relevant documentation, such as proof of recent upgrades or renovations. If you have a pet like a doggie in the backyard, it is prudent to put up signage along your exterior facing fence.

3. The Inspection: During the inspection, a qualified inspector will assess various aspects of your home, such as the structure, electrical systems, plumbing, HVAC (heating, ventilation, and air conditioning), roof, and overall safety features. They will also evaluate the condition of the property and identify any potential hazards or risks.

4. Inspection Report: After completing the inspection, the inspector will provide the insurance carrier with a detailed report outlining their findings. The report may include information about any issues or deficiencies discovered during the inspection.

5. Insurance Decision: Once the insurance company receives the inspection report, they will review the findings to determine your eligibility for coverage. They may consider the overall condition of your home and any necessary repairs or upgrades. Based on their assessment, they will decide whether to offer you insurance and at what premium.

6. Addressing Concerns: If the inspection report reveals any significant issues or concerns, the insurance company may require you to address them before providing coverage. In such cases, you may need to repair or replace certain systems or components of your home to meet their requirements.

It's important to note that the specific requirements and procedures can vary between insurance companies. Some insurers may not require a home inspection for certain types of coverage or may rely on alternative methods, such as virtual inspections or self-assessment questionnaires.

Need to Speak with the Team?

The Covered Team is available to answer your questions about what to expect should your insurance carrier require a home inspection prior to locking in your policy. You can contact us or call 833-487-2683 so you can be completely in the know when it comes to understanding the specific process and requirements of a home inspection.

We've got you Covered!