Did you know that when you secure home insurance the insurance company will do an exterior home inspection. Most insurance companies do this. Sometimes it can be confusing on what the inspectors are looking for during the inspection. In a nut shell, the insurance company wants to make sure that the property has been maintained and taken care of.
We wanted to make you aware of things to look for when you are purchasing a new home or just securing insurance. Below are just a few things that we see a lot. Keep in mind that this is NOT A COMPLETE LIST and there are many things that the inspector will look for to make sure the property is an insurable risk.
- Broken windows or boarded up window
- Heavy dry rot
- Peeling Paint (20% or more of the dwelling)
- Roof
- Missing Shingles
- Curling or lifting shingles
- Damaged siding
- Missing sections
- holes
- Fence
- Missing sections
- Leaning or falling down
- Detached structure is in good condition
- Roof
- paint
- dry rot
- siding
- Trampolines
- Un-netted in an unfenced yard (if in a rural area with-out neighbors this does not apply)
- In disrepair- broken springs, torn fabric
- Positioned next to objects that can be used to jump off
- Positioned next to a potentially dangerous object.
- Trees
- Limbs that are laying on or touching the home or neighbors roof
- Steps/Porch
- If porch is higher then 48" it will need a railing
- Steps taller then 36" need a railing
- Leaning, crumbling or rotting
Also, Keep in mind that the insurance company will always give you ample time to make any repairs and still make sure you have coverage on your home!
These are just a quick summary of some of the major things that will be checked during the inspection. This inspection is free of charge to you and will be completed at the start of your homeowners policy. It can also be done randomly throughout the life of your policy. We hope that this give you a better idea of what to expect when you are securing your homeowners policy.
Please contact us with any additional questions. We would love to answer any questions!
307-786-2668 * 307-789-1541 * 307-875-7544
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