Homeowners insurance being canceled? Insurance renewal is a critical time, and often, insurance companies will require an UNEXPECTED property inspection to assess the risk associated with continuing coverage. WE CAN HELP!
This is where an Insurance Renewal Inspection comes in, ensuring that your clients not only maintain their coverage but are also fully aware of potential issues before they turn into costly claims.
Why Recommend an Insurance Renewal Inspection?
By recommending an Insurance Renewal Inspection, you’re giving your clients the advantage of spotting potential issues early, ensuring they have time to address concerns before their insurance company takes action. This inspection can:
- Save Your Clients Money: Avoid sudden increases in premiums or unexpected policy non-renewals.
- Protect Their Home: Highlight critical areas of the home that need attention to maintain safety and structural integrity.
- Increase Trust: Position yourself as a proactive real estate expert by helping them stay ahead of potential pitfalls with their insurance company.
What Does an Insurance Renewal Inspection Focus On?
- Structural Integrity:
- Roof: Insurance companies check the condition and age of the roof, which can affect the likelihood of storm damage or leaks.
- Foundation: Cracks or shifting foundations signal long-term structural issues that insurers want to avoid.
- Plumbing and Electrical Systems:
- Plumbing: Leaks, corroded pipes, and water damage increase the chance of water-related claims.
- Electrical: Outdated wiring like knob-and-tube or aluminum increases the risk of fire. Insurers often require updates to these systems.
- Fire Hazards:
- Wildfire Risk: Especially important in areas like California, where homes are inspected for proximity to vegetation and fire-resistant materials.
- Indoor Fire Hazards: Faulty heating systems and poor ventilation are common hazards that are flagged during inspections.
- Exterior Maintenance:
- Decks, Fencing & Landscaping: Rotting decks, broken fences, and dead or overgrown trees pose safety risks and can lead to liability or damage claims.
- Liability Risks:
- Pools and Pets: Unfenced pools or high-risk dog breeds are common liability concerns that might result in increased premiums or denied renewal.
- Previous Claims History: Multiple claims in a short time may lead to stricter policies or non-renewal altogether. (Homeowner will answer)
Partner with a Trusted Home Inspector
With over 24 years of experience and 8,300+ inspections completed, Mark Harman is the home inspection expert you can trust. He provides detailed, reliable reports that help homeowners address any issues before they affect their insurance coverage.
Let’s Protect Your Clients Together
Reach out today to schedule an Insurance Renewal Inspection for your clients. Helping them maintain coverage and avoid costly surprises is a valuable service you can provide—making you an even more trusted partner in their homeownership journey.
P.S. Ensure your clients stay protected and stress-free during their next insurance renewal. Contact us to learn how an inspection can help!