What items does an inspector check for renewal of home policy?

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Asked April 3, 2018

1 Answer


The Oklahoma Construction Industries Board requires that licensed home inspectors evaluate certain areas of a home. An insurance company also requires that an inspector look at a variety of additional items associated to risk of increased claims for events like fire, flood, burglary or falls and the total value of the property. Additional items on the inspector's checklist might include the age and type of construction materials and appliances, the home's position near potential natural and man-made hazards and how the homeowner uses the property.

The most common items that home inspectors assess beyond the overall condition of the structure are specific parts of the structure like the stairs, plumbing, water heater, furnace or HVAC system, oil or gas tank, if applicable, electrical system, roof, basement, foundation, attached structures like a garage and unattached structures like a shed or greenhouse. If you have a pool, hot tub or handicapped accessible features like a ramp or stair lift, an inspector usually checks to see if they are safely installed and up to code. The inspector might also look for signs that you have done everything possible to alert yourself of danger and prevent serious claim events. For example, an inspector might look for fire alarms and extinguishers, automatic sprinklers, carbon monoxide detectors and motion-sensitive cameras.

If you receive a green home" discount because of a valid green home certification, an insurance inspector might look for anything that you've claimed makes your home more efficient and green, such as recycled construction materials, a smart home thermostat system, timers for lights, watering systems or even electrical outlets and the "Energy Star" symbol on appliances. The inspector will be especially interested in any building supplies that require fewer repairs from wear and tear over time and increase your home's overall value, including solar power, heating and cooling systems and construction materials that release lower-than-normal or no volatile organic chemicals. Insurance companies love green homes because owners of certified "green" residences are more likely to maintain and protect their property in ways that reduce claims related to age, poor maintenance and neglect.""

Answered April 9, 2018 by JoshB

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