Benefits of a Home Insurance Inspection

Benefits of a Home Insurance Inspection

The Homeowner’s insurance payments can be positively affected when you decide to have a home insurance inspection carried out by a professional certified Home Inspector. Inspectors can help identify different areas where you would be eligible for discounts on your home insurance policy for which you may not already have. Inspectors can also verify that you have made significant improvements in the areas that needed improvement to reduce insurance claims. Wind Mitigation improvements and the 4 Point inspection improvements are key components of this review. The idea is to improve the condition of your house in the areas that could lead to significant insurance claims.

Sometimes an insurance company may request an insurance inspection 30 to 90 days after closing to make sure there are no major issues. If the insurance company initiates the inspection request, insurers can easily cancel their policy on your house if the inspection identifies any major areas of concern. It is in the homeowner’s best interests to ensure all maintenance is regularly performed and the home’s surrounding area is kept clean and in top condition. A Certified Nachi Home Inspector can provide you with the areas of concern so you will not be surprised. When you know the condition of your home, you can plan to address any issues before they become an insurance problem.

What Do Home Insurance Inspectors Look For?

Home insurance inspectors look for many things. Different factors impact the overall outcome and assessment of the insurance home inspector; the size, the location, and the age of a house all have a part to play.

The insurance inspector will look for opportunities to increase security and safety in and around your home. This search will include looking for potential fire hazards or liability risks in how you maintain your premises. If you have a problem that you have plans to fix, be sure to let them know, since it may help you. If you are paying for the inspection, after these repairs are done the re-inspection fee is greatly reduced for the updated inspection.

The certified inspector will take measurements of the house, look for special features and check the quality of materials used in the construction of your home. The general stability and sturdiness of a home during strong winds or storms is a significant element of the inspection to reduce insurance rates. The storm shutters, high impact windows, hurricane garage doors and the roofing construction all need to be up to Florida and local codes to have a reduction in your insurance premiums in Florida.

The certified inspector will also check if there have been updates to the electrical system, plumbing, heating, windows and the roof. They will try to make sure that everything is well maintained and in good working order and provide you with a thorough report on your home. Contact us for an Inspection.