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11/2/2017

Home Inspections by your insurance company.

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What are home inspectors looking for when they come out to do your insurance inspection? Well, most companies look at these areas:

Property Inspection Hazard Guide
Exterior Hazards
Roof Hazards

Major Hazards

3 or more layers present. 2 or more layers present if bottom layer is brittle and deteriorated.
Clumps of moss on roof surface. Results in curling or lifting of shingles. Negatively impacts roof integrity and/or reparability.
Granule loss resulting in exposed backing of shingle.
Lack of proper ventilation, resulting in buckling or decking.
Metal roofs with creases, allowing for poolling of water.
Missing shingles.
Presence of Tar patches on non-flat roofs.
Sagging of flat roof. Significant amount of damaged / missing flashing.
Significant impact marks.
Significantly curled or split shingles. Excessive splitting of shingles down to nails (shingles in danger of detaching due to splitting).

Minor Hazards

Couple of roof shingles throughout the roof are missing/broken/torn.
Presence of moss that is not causing other structural damage to roof surface.
Sligh granule loss, impact marks.
Slightly curled or split shingles.

Liability Hazards

Aggressive dogs.
Business involving hazardous materials.
Swimming Pools:
- (Inground): Yard or pool is not fully enclosed. Fence inadequate to prevent unwarranted entry. Pool entry gate does not have lock or latch. Drained pools not securely covered. Pool damaged (ex: damaged surrounding walkway or damaged fence)
- (Above Ground): Pool entry not secured by gate with lock/latch or if pool unfenced, does not have retractable ladder present. Pool damaged.
Trampoline without surrounding net or fenced yard.
Undisclosed business on premises.
Undisclosed horses or exotic animals.
Uneven walkway that is severe enough to create a trip hazard.

Interior Hazards

Electrical System: Any disposable fuse electric service panel still in use or aluminum wiring in use. Knob and tube wiring still in active use or unable to determine if active. Uncovered (open) junction boxes, and/or bare wire splices. Loose, unsupported, damaged or improperly installed wiring. Electrical panel not properly mounted. Rust or corrosion on electrical panel or other electrical components. Exterior electric panel not weather tight.
General Interior Conditions: Excessive clutter resulting in blocked access through the home (fire hazard, mold, framing damage)
Heating System: No central heating system. Dented, leaking or rusted fuel storage tank. Improper installation of permanent space heater or central heating unit electrical controls. Missing burner panel cover, central heating unit not properly mounted. Oil line buried or encased in concrete. AC drain pan clogged/leaking in attic. Underground fuel storage tank (if not excluded in applicable states)
Plumbing System: System in poor condition if it meets one of the following criteria: Galvanized steel/iron water supply lines in use. Polybutylene water supply lines in use. Evidence of water leak or damage. Visual evidence of mold. Fixtures or faucets damaged, leaking or missing. Pipes not adequately supported. Water heater damage. Laundry washer hoses in poor condition.
Secondary Heating System: No UL label present. Unit has not been professionally installed/inspected. Unit used as primary heat source.

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Home Inspections by your insurance company.

February 11th, 2017

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