Often, new homeowners find themselves in a dilemma of whether or not their initial home inspection qualifies as an insurance home inspection and vice versa.
The simple explanation between the two kinds of inspection is: the general home inspection is for you, and the insurance inspection is for the insurance company.
The other difference is a full home inspection gives you a full assessment of this new home and its current condition and highlights problematic areas that need fixing.
On the other hand, an insurance inspection is essentially a standard procedure that requires the insurance company to get to know all about the property they are about to insure.
The inspection lets the insurance company know of any potential risks that might cause an insurance claim soon and determine the future replacement value of your home.
What goes on in insurance inspections?
Like a general inspection, the inspector will focus on almost every aspect of your home, especially the following aspects because they tend to be costing more:
- The HVAC system
- Plumbing system
- Electrical system
- The roof
- The foundation
- And other structural components
After an insurance claim, the insurance company may provide you with a list of problematic areas that should be fixed to avoid policy denial or cancellation. Remember that the inspection result does affect your insurance premiums.
What are the pros of insurance inspection?
- One, the inspector will not just note down the cons of your home; he’ll also highlight your home’s great features, such as smoke detector systems, wind-resistant roofing, home security, etc. These features could potentially lead to better insurance discounts.
- You get to correct the defects found to avoid policy cancellation
- And you also get to know the accurate value of your home, so it’s properly protected.
Need Insurance Inspection Services in Jacksonville, FL?
Talk to our experts at 330 Inspection Services. We’re qualified to handle all insurance inspection services for a wide range of buildings. We take pride in the quality of our work. If interested, feel free to give us a call.