Signing up with an insurance company is one of the best ways to protect your asset.

Insurance policies will cover losses and damages such as theft, storm damage, and other unavoidable events.

However, before getting an insurance policy, most insurance companies will often conduct a property inspection.

Here’s what to know about insurance inspections:

The primary purpose of the inspection is to identify any “hazards” or rather any situations that may increase loss for the insurance company.

The inspection also ensures the property is properly covered because it is sometimes difficult to determine the right amount of insurance coverage.

So, an inspection will make sure you don’t get too much coverage to pay for more than necessary insurance or you don’t get too little coverage.

However, it’s not only the insurance company that gets to gain. You also benefit.

You can get to save on various aspects of your property if specific features such as safety and security qualify you to get a discount from the insurance company.

What are the checkpoints in an insurance inspection?

If you’re familiar with a 4-point inspection, that is what most inspectors will be looking for. That is basically:

The roof
The plumbing system
HVAC system
And the electrical system

These are the significant areas that are likely to cause expensive issues.

The inspector will also include the square footage of your property, the quality of materials, including any new updates, and exterior additions such as a swimming pool, a detached garage, or any exterior structures, in his report.

Not to forget any form of safety feature found on the property.

How to prepare for an insurance inspection

Even though the insurance inspector will do his assessment without needing anything from you, it’s always good to prepare.

You can list security features you’ve added to your home and provide receipts on any recent renovations and how much they cost. Most importantly, you can get your own comprehensive or partial inspection from an inspector of your choosing.

Let 330 Inspections Help with Your Insurance Inspections

Inspecting before the insurance inspector arrives gives you time to know which areas of your home may cause you to fail the insurance inspection. This way, you get to make the necessary changes for better and cost-effective coverage.

Our experts assess damage inspections and other general property and home inspections.

If you’re from Jacksonville, FL, and the surrounding areas, give us a call.