If your homeowners' insurance requires an independent insurance renewal inspection, our team provides a limited-scope inspection tailored to your underwriter’s checklist in Los Angeles and Orange County. We document the exact items insurers care about so you can meet requirements and keep coverage.
To streamline scheduling, email us your insurer’s letter and any checklist when you book. We’ll confirm the scope in advance to ensure every required item is addressed.
What we typically inspect for insurance renewals:
Some insurers request additional items—we tailor the inspection and deliver a clear, photo-rich report aligned with underwriting requirements.
In this video, we explain the dilemma so many people are dealing with when it comes time to either obtain homeowners or fire insurance or at renewal time. We dive into the history and potential solutions.
Now that you have to get an insurance inspection in order to renew your insurance policy, here's a checklist of things you can do to insure you have a successful inspection report and get your policy renewed.
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:
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.
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.
Outdated electrical wiring, like knob and tube, and older electrical panels are another significant concern.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.
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.
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.
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**We do not, unfortunately, service the West San Fernando Valley & High Desert (Palmdale, Lancaster)
**We do not service the City of Pasadena.
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