10 Critical Factors Insurance Companies Evaluate in Home Inspections

Understanding what insurance companies prioritize during home inspections can help you prepare your property and potentially lower your premiums. Here are the top 10 areas that insurers focus on when reviewing a home inspection report:

  • Roof Integrity: Age and Condition Assessment

  • Electrical Safety: Wiring and Panel Evaluations

  • Plumbing Health: Leak Detection and Pipe Condition

  • HVAC Efficiency: System Performance and Maintenance

  • Structural Soundness: Foundation and Frame Inspection

  • Safety Features: Smoke and Carbon Monoxide Detector Checks

  • Exterior Hazards: Tree Proximity and Landscape Risks

  • Moisture Management: Water Damage and Mold Identification

  • Property Maintenance: General Upkeep and Repair Needs

  • Home Security: Lock Systems and Alarm Installation Review

10 Alarming Reasons a Failed Home Inspection Can Void Your Insurance

A thorough home inspection is crucial for maintaining valid insurance coverage. Overlooking critical issues can lead to serious consequences, including policy cancellation. Here are ten eye-opening reasons why a poor home inspection might result in your insurance being voided:

  1. Undisclosed Structural Damage

  2. Hidden Electrical Hazards

  3. Undetected Water Damage and Mold Growth

  4. Outdated Plumbing Systems

  5. Neglected Roof Maintenance

  6. Inadequate Fire Safety Measures

  7. Pest Infestations and Wood Rot

  8. Non-compliant Home Additions or Renovations

  9. Faulty HVAC Systems

  10. Ignored Foundation Issues