INSURANCE INSPECTIONS

THE HISTORY

In recent years, California's devastating wildfires have cost insurance companies billions, forcing many to either exit the state or significantly tighten their policies. To mitigate future losses, insurers still operating in California increasingly require homeowners to complete inspections before renewing their policies. These inspections identify potential risks, such as roof, plumbing, electrical, and HVAC, that could lead to costly claims.

This practice, already common in hurricane-prone states like Florida, is becoming standard in California.

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WHAT IS AN INSURANCE INSPECTION?

Insurance inspections are evaluations conducted to assess the risks associated with insuring a property. Insurance companies focus on several key areas to determine the property’s condition and identify potential liabilities. Here’s a breakdown of their main concerns:

1. Water Supply Pipes

A primary concern is the type and condition of the water supply pipes. Insurance companies are especially wary of galvanized pipes, which are prone to corrosion and leaks due to their age. If a home has galvanized pipes, it may raise a red flag, as these are more likely to fail compared to modern materials like copper or PEX.

2. Water Heater Condition

Insurance companies pay close attention to the age and condition of the water heater, looking for signs of rust or any indications of impending failure. While they are not concerned about whether the installation is up to code, visible deterioration could suggest a risk of water damage, making it a critical factor.

3. Electrical Panels

Outdated electrical wiring, like knob and tube, and older electrical panels are another significant concern. Insurance providers specifically look for brands like Zinsco or Stab-Lok panels, which are known to have safety issues. Older fuse panels also signal potential electrical hazards, which could lead to fires.

4. HVAC System

The age and condition of the furnace and air conditioner are also scrutinized. Insurers look for visible signs of wear, such as rust, which could indicate inefficiency or a higher likelihood of failure, potentially leading to costly claims.

5. Roof Condition

Perhaps the most critical aspect of an insurance inspection is the roof. Insurance companies want to know if the roof is worn out or nearing the end of its life. Signs of aging, leaks, or damage can significantly impact insurability. A roof that has been recently replaced or is in good condition reduces the risk of water damage claims, making it a top priority.

IF YOU RECEIVED A NON-RENEWAL LETTER

Insurance Inspections in California. Prevent non-renewal or cancellation of your insurance.

If your insurance company sends you a letter indicating non-renewal or cancellation and requiring an independent home inspection, we’re here to help. Our team specializes in conducting limited inspections tailored to the specific items your insurance company is requesting.

To ensure a smooth process, please email us the letter from your insurance company available when scheduling your inspection. This helps us confirm that all required concerns are addressed during the inspection. While most insurance companies focus on similar items—such as plumbing, electrical, HVAC, and roofing—some companies may have unique or additional requests.

Our goal is to make the inspection process as straightforward and stress-free as possible so you can meet your insurance company’s requirements without hassle. Reach out to us today to schedule your inspection!