Insurance home inspections are a necessary evil if you want to keep your home insurance policy.
Nobody likes having someone come over and poke around their house, looking for wrong things. But home insurance companies have to do this to protect themselves from liability.
If they didn’t inspect homes periodically, they could be on the hook financially if something went wrong that could have been prevented.
So, while it’s not fun to have an insurance inspection, it is essential. And some things can trip you up and result in a failed review.
Here are 5 of the most common:
- Poor Maintenance
Insurance companies expect you to care for your home, meaning that you should regularly clean gutters, fix cracks in the foundation, and caulk around windows.
Failure to handle these things could cause you to fail the inspection.
- Lack of Safety Precautions
Insurance companies are also concerned about safety. Your home should have working smoke detectors and carbon monoxide detectors.
It’s also a good idea to have a fire extinguisher on hand, just in case. If the home inspector sees that you don’t have these basic safety precautions, it could lead to a failed inspection.
- Signs of Water Damage
Water damage is a common claim that home insurance companies receive. So, it’s no surprise that they’re on the lookout for any signs of it during an inspection.
If you have any water stains on your walls or ceiling, it could be a sign of a leak somewhere in your home, leading to a failed inspection.
- Signs of Pests
Another common claim that home insurance companies receive is for pest damage, including everything from rodents to termites.
Any evidence of pests in your home could fail you.
- Dirty or Cluttered Conditions
Finally, home insurance inspectors aren’t happy if they come to your home and it’s a complete mess.
This doesn’t mean that you need a spotless home. But it should be relatively clean and free of clutter.
These are but a few things that can make you fail a home insurance inspection. If you’re unsure what to expect, it’s always a good idea to contact your home insurance company and ask for a copy of their inspection checklist.
You’ll know what they’ll be looking for, and you can make sure your home is up to par.
Get Reliable Insurance Inspection Services in Jacksonville, FL, and Other Areas in Florida
At 330 Inspection Services, we are qualified to carry out home insurance inspections for various purposes. We understand that the requirements for each assessment will be different, so we take care to customize our services to meet your specific needs.
For more information about our home insurance inspection services, contact us today.