Understanding the Homeowners Insurance Inspection Process

Hi Clients and Prospects,

If you’ve recently purchased or renewed your homeowners insurance, you may be selected for an inspection—especially if your home is valued over $750,000. Insurance companies conduct these inspections to ensure your coverage matches the condition and value of your home.

🔍 Why Do Inspections Happen?

Insurance carriers want to confirm that your home is in good condition and assess any potential risks. This helps ensure you’re properly covered in the event of a claim.

🏡 When Is an Interior Inspection Required?

For higher-value homes, insurers may request an interior inspection in addition to the standard exterior review. This allows them to assess:

• Interior construction materials and finishes
• The condition of major systems (electrical, plumbing, HVAC)
• Safety features, such as smoke detectors and fire suppression systems

📝 What to Expect

• A licensed inspector (hired by the insurance company) will schedule a time with you.
• The process is generally quick, lasting 30-60 minutes.
• You may receive a report afterward, and in some cases, the insurance company may recommend updates or repairs.

💡 How to Prepare

• Ensure easy access to major systems (furnace, electrical panel, etc.).
• Have documentation for any recent upgrades or renovations.
• Address any obvious maintenance issues in advance.

Insurance inspections are nothing to worry about—they’re simply part of making sure you have the right coverage. If you have any questions about this process, feel free to reach out!

George Page

Page Insurance

(203) 453-5258