When Do You Need an Insurance Home Inspection?
You will need a home inspection for your insurance if the insurer requires it.
It is not uncommon for insurance companies to request an inspection of your home. Keep in mind that not all homes require the same level or type of inspection. After you have answered the questions on your initial insurance application, the insurance company will determine what kind of inspection they want you to have. Since your home insurance represents a liability to them, your insurance company will want to know more about your home before issuing you an insurance policy.
The information you provided on your application guides your insurance company on which type of inspection needs to be completed. Insurers differ on what they might be looking for and the type of inspection they might want. Older homes tend to have more issues and different technologies that require examination such as fuel tanks and electrical wiring and plumbing systems. These types of homes from the past were built to different codes or no codes at all and presented an increased risk to the insurance company.
Common inspections requested by insurance companies are: