Whether you’re buying a new home, switching home insurance companies, or making significant changes to your existing policy, your insurer may require a home insurance inspection before they extend or renew your coverage.
Understanding when you need a home insurance inspection and what insurers typically look for can help you prepare for the inspection and make sure the process goes smoothly.
When do you need a home insurance inspection?
There are a few circumstances under which you may need a home insurance inspection. Here are a few of the most common:
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You’re purchasing a new policy. If you’re buying a policy for the first time, your chosen insurer may require an inspection. This is particularly true if you live in an older or high-value home, though specific requirements vary by insurer.
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You're buying a home. Lenders often require proof of insurability before closing, and your insurer may want to inspect the property to assess risks and set premiums.
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You’ve made major upgrades or renovations. If you’ve made significant changes to your house, such as installing a new roof or updating your electrical or plumbing system, your insurer may want to verify these improvements before adjusting your premium.
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Your policy is renewing. Some insurers may require a periodical home insurance inspection upon policy renewal, especially for older or high-risk homes.
What to expect during a home insurance inspection?
During a home insurance inspection, the inspector typically assesses the condition of the home, taking note of any potential risks as well as features that may reduce risk. Here’s what you can expect:
Before your home insurance inspection
Your homeowners insurance company will schedule a day for a certified inspector to come out. Be sure to select a date you’re available so you can give them access to critical areas, as home inspectors generally won’t access your home without your permission.
During the home insurance inspection
A home inspection can last anywhere from a few minutes to several hours, depending on the type of inspection required and the size of your house. Inspections may be limited to an external assessment or include an interior inspection.
Though inspection criteria and requirements may vary by insurer and inspector, a home insurance inspection typically includes interior and exterior components.
Exterior inspections
An exterior inspection may include an assessment of the following, with particular attention to any indications of increased risk.
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Roof. Age, material, condition, signs of wear or damage
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Gutters and drainage. Proper water flow away from the house, free of blockages or signs of blockages
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Foundation. Signs of visible cracks, drainage issues
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Exterior walls. Condition of siding and/or exterior walls, including weather resistance
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Windows and doors. Proper seals, storm shutters (if applicable), and security features
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External property risks. Dead or overhanging trees, pools, trampolines, etc.
Interior inspections
An interior inspection often includes an analysis of the following:
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Plumbing. Age of pipes, signs of leaks, and water heating condition
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Electrical. Type of wiring, break panel, and grounding fault.
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HVAC. Age, condition, and type of any heating/cooling systems
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Smoke/carbon monoxide detectors. Presence of detectors and whether they are in working condition
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Fireplace or wood stoves. Condition of the chimney, signs of damage
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General maintenance. Signs of water damage, mold, or pests
In some cases, your insurance carrier will schedule a full inspection as part of the underwriting process. A common type of inspection is the 4-point inspection. This type of inspection assesses four of your home’s major components: your roof and electrical, plumbing, and HVAC systems.
What is a self-inspection for home insurance?
A self-inspection is precisely what it sounds like: Instead of a licensed inspector, you inspect the house yourself. Whether or not you can perform a self-inspection and the required process and documentation can vary by insurer. However, you can typically take photos or video of your home using a checklist provided by your insurer as guidance.
A self-inspection checklist may ask for photos of:
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Your home’s exterior (roof shape, gutters, and foundation)
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Furnace
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HVAC system
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Plumbing (sinks and shut-off valves)
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Electrical panel (including manufacturer label)
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Water heaters (including manufacturer label)
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Swimming pool
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Detached structures (sheds and outbuildings)
Tip: If you’re conducting a self-inspection, always contact your insurer with any questions about the requirements. For the best outcome, take exterior photos during daylight hours and make sure interior photos are well-lit.
Finally, safety is paramount. So, if you can’t access an area of your home (e.g., the attic or roof), don’t attempt to. Instead, you can leave a blank photo on your application and contact your insurer for further instructions.
What can I expect after a home insurance inspection?
After a home insurance inspection, the inspector will send a detailed report to your insurer outlining their findings. Inspectors may or may not automatically send you a copy of the report, but one can typically be provided upon request.
Your insurer will use the results of the inspection to determine if your home is eligible for coverage and, if so, how much you’ll pay for the policy.
If the inspection reveals your home doesn't meet your insurer’s requirements or coverage criteria, don’t fret. In many cases, your provider will give you time to make any necessary repairs.
If you’re uncertain about why your home failed or what repairs need to be made, always contact the insurer for further guidance.
Can my home insurance be canceled after a failed inspection?
Yes, your insurer may choose to cancel coverage after a failed inspection, particularly if the inspection reveals significant issues.
If your insurer decides not to insure your home, you should start getting home insurance quotes for a new policy immediately. However, it’s wise to address any issues that resulted in a failed inspection. Doing so can make it easier to get coverage elsewhere and may result in lower rates.
If multiple insurance companies refuse to provide you coverage, research your state’s FAIR Plan program. This program helps high-risk homeowners obtain home insurance even if traditional insurers decline to cover them.
Can my home insurance premium be impacted by the inspection?
Yes, a home insurance inspection can impact your premium. If your home inspection reveals an increased level of risk, your premiums will be higher. If you already have a policy, your insurer may choose to increase your premium.
If your inspection is completed after you have made upgrades to your home, such as installing a new roof or updating an electrical or plumbing system, you may be eligible for a premium reduction. This is often the case if your updates have made your home more resilient against certain risks, such as fire or wind.