If you purchased a homeowners policy, you need to be aware you may be subject to an exterior home inspection within the next 30 days.
Don't worry though, you don't need to be home for this inspection. It is only performed to ensure your home is in good order and does not have any uninsurable conditions. If you have any dogs, please be sure to have notices posted around your property.
Prior to 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.
Home inspection purposes vary depending on the insurance carrier, but in general, here is what to expect:
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 may also evaluate the condition of the property and identify any potential hazards or risks.
After completing the inspection, the inspector will provide you with a detailed report outlining their findings. The report may include information about any issues or deficiencies discovered during the inspection.
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.
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 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.
Contact the Covered Insurance team directly to understand your carrier's specific process and requirements for a home inspection.