INSURANCE INSPECTIONS

---

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Outdated electrical wiring, like knob and tube, and older electrical panels are another significant concern.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.