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What to Expect From an Insurance Home Inspection
Insurance home inspectors are often given a bad wrap. elevate-insurance.net may have seen them described as independent contractors who do nothing but write up reports about your home insurance claim and then leave your house in disrepair. This can be misleading for several reasons. Firstly, most insurance companies actually encourage their inspectors to highlight their own shortcomings and so it is easy to see why they might be biased towards your claim.
Another problem lies in the fact that they will often not be trained specifically to inspect buildings they are supposed to be checking out. Many insurance companies insist on having their inspectors to complete an approved home insurance policy which includes a list of building contents and structural defects. These are the things they are supposed to check out anyway! They are not trying to exclude any obvious problems from your home. However, it is worth remembering that if they are happy to accept your insurance payment and leave your house in the same state that they found it in they are likely to score extra points with the insurance company.
In addition, most insurance home inspectors will not have specific knowledge of a particular area of expertise. For example, say you want to check that there have been no plumbing issues in your home since the last inspection. If the inspector does not mention this by name in their report then you will have little to go on. In contrast, a good home insurance inspector will discuss all the plumbing issues in detail and include any recommendations to resolve them.
Home inspectors should also have some previous experience of inspecting homes in your area. They may be local people who you know well or they may be self-employed, working for an agency who specialises in such work. Either way, they should have undertaken similar work in your area at some point. This will help them accurately identify problems in your home that you would not have noticed. It also gives them an insight into how your home may stand in the eyes of potential buyers.
As well as inspecting the physical state of your home, a good inspector should also highlight any problems that could affect its structural integrity. He or she may identify weak spots in the construction. For example, a wall may not be strong enough to support the weight of the house. However, if the inspector sees these problems in place, he or she will be able to advise you about the right materials to use, the best way to strengthen the walls and whether you should install additional joists to strengthen the ceiling.
In addition, insurance inspectors should also be familiar with the legal aspects of home insurance. This can be particularly useful if a claim is made against you. elevate-insurance.net is important that they are fully knowledgeable about what is covered and not covered by your insurance policy. This way they are in a better position to explain this to clients.
Finally, an insurance inspector should have a complete understanding of your home's safety system. While it is not unusual for some homeowners to feel that their homes are perfectly safe from fire, thieves and floods, the truth is that your insurance policy may only offer protection against these eventualities. Home inspectors should thoroughly investigate all areas of your home. They will be able to identify problems such as: cracked windows, faulty doors and plumbing which are at greater risk of being broken into or damaged and which may cause injury to a customer or occupant.
Although you may feel apprehensive about having a home inspector to perform a home insurance inspection, it is essential that this procedure be carried out. Insurance companies pay a premium for homes that are in excellent condition, in other words, ones in which there are no obvious safety risks. In the event of a loss, your insurance company stands to make a claim against you. Therefore, by making sure your home is secure, you will avoid unnecessary headache when your home is put under review.

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Pub: 25 Oct 2023 13:27 UTC
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