A home insurance inspection is an inspection of a home or property ordered by an insurance company, underwriting the homeowner’s policy. We will take a look at the overall condition of the home and observe any major risks near the property. We will then assess the size of the home, draw a diagram, and collect much more physical data to calculate the total cost to replace the home in case of an accident.
When is a home insurance inspection ordered?
An insurance company typically orders an insurance inspection in three situations:
1. When the policy is first written, often when the home is purchased.
2. Periodically through the life of the policy when they choose to review and reassess the risks they underwrite.
3. When an insurance inspection reveals a risk the homeowner is then allowed to correct (eg: a missing handrail), the insurance company will order a re-inspection to confirm the risk was corrected.