Angie Watts is a licensed real estate agent with Florida Executive Realty in the increasingly popular Tampa Bay area. Specializing in residential properties since 2015, Angie is a real estate blogger who published an ebook educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can be stress-free duri...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 16, 2022

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Home InspectorUpon taking out a new policy, many people wonder if their homeowners insurance company will inspect their home. Many companies will at one point or another visit and inspect a home.

Some will do so early in the policy and changes to your policy may occur because of it. However, others may do it much later or not at all. Numerous companies never see your home until a claim is made.

Read on to learn the details of home insurance inspections by homeowners insurance companies and then be sure to enter your zip above for free home insurance quotes!

Which factors can make a home more likely to be inspected?

If you happen to make a claim on your homeowners insurance policy, you can be assured that your homeowners insurance company will indeed inspect your home.

This is so that the damages can be assessed and appraised, and so that they can check to make sure that you were completely truthful in your application for homeowners insurance.

The person inspecting your home will likely look at a variety of different factors also during the time he is at your home, to make sure that it complies with the company’s expectations.

There are many other cases that make a home more likely to be inspected. These include:

  • Older homes
  • Homes that are in higher insurance risk areas
  • Homes with attractive nuisances, such as swimming pools and trampolines
  • Home with recent renovations
  • The home’s square footage
  • The number of claims made in recent years
  • Having had a homeowner insurance policy canceled by another company.

Home insurance inspections allow the home insurance inspection company to measure the home’s replacement cost. This way insurance companies assess risk to determine the likelihood that you’ll need to file an insurance claim for damages and calculate estimated premium costs.

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What does a home insurance inspection cover?

A homeowner’s insurance provider can do a visual inspection of the home’s exterior. This means checking out the condition of doors, windows, roofing, and additional structures. If the company decides that an additional insurance inspection is needed, they will also look inside the home.

The inspector will generally assess things like:

  • The condition and age of the roof
  • Exterior hazards that could lead to damage
  • Exterior items that could be damaged (sidewalks, lighting fixtures)
  • Drainage systems
  • Plumbing systems
  • The condition of flooring and walls
  • Attic spaces and crawl spaces
  • Chimneys and fireplaces
  • Home’s electrical system

All in all, the insurance company wants to assess the risk and replacement cost in case the home is being damaged.

What can happen when your home is being inspected?

If you have been completely honest with your insurance company, you have nothing to fear from your home inspection. However, if you lied, even about “small things” like whether or not you have certain safety items in your home, your policy may be at risk.

Many of the discounts you receive on a homeowners insurance policy are based on things like having a sprinkler system in your home, deadbolts on all the doors, a monitored alarm system and standard safety items like smoke detectors and fire extinguishers.

If you are caught in a lie about one of these things, as a result of a home inspection, you may simply lose your discounts and have higher rates to pay, or it may mean that the insurer cancels your policy completely.

If during an insurance inspection, it is shown that you have lied about “big things” concerning your home, you are much more likely to have your policy canceled. This is especially true if you have told the company you have complied with requests of theirs but in fact, you have not. Other “big things” include omitting the fact that your home has aspects that significantly increase its potential risks, such as a swimming pool, a fireplace, or trampoline.

If your home is only inspected as a result of a claim, you may risk having your claim reduced or denied because of things found during the inspection. If you have omitted or lied about certain aspects of your home, these could definitely affect your actual insurance coverage in the event of a loss. Due to insurance companies being overworked, many home insurance inspections are only done following a loss.

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What To Expect if Your Home Fails the Inspection

In some cases, a home can fail the inspection through no fault of the owner. If your home has substandard plumbing, electrical, roofing, or another home system, it may endanger your home insurance policy.

Often when the insurance inspector finds something that does not meet the underwriting requirements of your company, he will report back to the insurance company, who will give you a certain time period under which you must repair the issue at hand.

There are other cases where the insurance company will decide that they simply can no longer insure your home as a result of a home inspection. If your policy has been in effect for more than 60 days, it cannot be canceled until it is up for renewal unless you are not paying your premium or you have committed fraud in your application for home insurance.

If you need to find a replacement homeowners insurance policy, the fastest, easiest way to do so is by getting quotes using an online quote tool. Truthfully answer the questions as prompted and the free tool does all the work for you by submitting your information to different insurance companies serving your area.

You will have all the homeowners insurance quotes you need to compare and choose from to ensure you have the best policy possible. Enter your zip code in our quote tool today to get started!