Why Do Insurance Companies Conduct Inspections Florida Home Inspection Plus® ?

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1. Evaluate Risk Assessment
   At Florida Home Inspections Plus® we  look for issues that could lead to future claims, such as water damage, faulty wiring, or structural weaknesses. This allows insurers to measure the risk of covering the property.

2. Policy Accuracy
   They verify that the property’s features and condition align with what was stated in the insurance application, ensuring correct coverage and preventing disputes later.

3. Replacement Cost Estimation
   Especially for older homes or after renovations, an inspection ensures the insurer has the right replacement cost value, so the homeowner is not underinsured or overcharged.

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What are the Insurance Firms and Inspectors Looking For?

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• Exterior: Cracks, damaged siding, water stains, window condition, seals.

• Roof: Shingle wear, leaks, missing materials, or signs of aging.

• Systems: Plumbing, electrical, HVAC functionality and safety.

• Safety Features: Smoke detectors, fire extinguishers, carbon monoxide alarms, anti-theft measures.

• Hazardous Areas: Uneven walkways, overgrown or dead trees, or recreational risks like pools and trampolines.

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When Inspections Happen?

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• New Policy Application: To confirm the home matches the details provided.

• Policy Renewal: Often required if the property hasn’t been inspected in years.

• After Major Renovations: Ensures coverage reflects the home’s new value.

• Random Checks: Performed as part of standard risk management practices.

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Preparing for an Insurance Inspection

• Florida Home Inspection Plus® will Gather documentation on open and close permits may it be renovations, repairs, and upgrades.

• Try to obtain records of HVAC, electrical, plumbing, and roof work.

• Perform assessment to identify risks such as missing detectors or visible exterior damage.

• Ensure the property is abiding by code in regards to accessory structures, pools, electrical compliance safety, roof, egress, fire hazards, security and more.