What to Expect From a Home Insurance Inspection

Even though a home insurance inspection might seem frightening, it's rather typical for insurance companies to ask for a property inspection when insuring your house.

Home insurance inspections differ from those a homeowner could conduct when buying a new house. The insurance provider orders a house inspection to evaluate the risks that could result in future insurance claims and the home's replacement cost. You can use it to figure out how much your insurance premiums will cost.

An Insurance Examination: What to Expect

Insurance inspectors will normally contact you to set up an appointment and request authorization before entering your home to conduct an inspection.

You do not need to be home if the inspection is merely external; however, you must be there if the inspection is inside.

The exterior of your home is examined during routine in-person inspections. Normally, a letter informing you that an inspector will visit your property to take pictures would arrive in the mail. Following the inspection, the inspector sends a copy of the house inspection report to the insurance provider. If there are any questions or more details are required, your insurance representative will contact you.

High-value homes typically need a home insurance inspection on both the inside and outside. In this situation, you would probably get a call to set up a time for the inspector to come to your house. This form of inspection requires your presence, and an insurance inspector will never enter your home without it. Similar to a typical in-person inspection, the inspector will email your insurance company a copy of the inspection report. Your agent will reach you if they have any questions or concerns.

In rare circumstances, an insurance provider might give you a choice to do a digital home insurance inspection. Following your home inspection, your independent insurance agent will contact you if they have any queries or worries.