About Us

Finding the right home insurance can feel like an extraordinary task. There is a long checklist of pre-requirements to get through, however getting a home inspection should be an easy fix.

At Dexaco Home Inspections, we specialize in providing insurance level inspections that are a comprehensive overview of the condition of your house. We deliver a written report that is perfect for passing on or just personal use.

Our team knows how important it is to own the right home and we aim to help potential homeowners know what they are dealing with before it is too late. We can also offer advice or direction on the standard your house needs to be.

Tips on Property Inspection

Inspecting Office Buildings for Insurance Companies

To get your office building insured, your insurance company will send out someone to inspect the building. An insurance company is not only helping themselves but also help you. It is meant to discover any losses or to make aware of the losses from a liability standpoint or property. Generally, the inspection is completed by hired contractors or safety engineers. Either the insurance company will request this beforehand or after you are insured. It is also used to identify any conditions or hazards which increase the chance of a loss, insured or not insured. An inspection of your office building is important to any insurance company as it will show them whether you are a risk or not.

Insurance risk surveys are categorized into 3 different areas, these include:

  • Property surveys concentrate on possible security and fire issues.
  • Business interruption surveys will look at a disaster that might affect your business; how you would deal with it and how you might recover from it to trade successfully again.
  • Liability (or casualty) surveys mainly look at the safety and health issues that might be affected by your business operation.

Inspectors will take a survey of your building and assess all risks that may be on-site, collect photographic evidence, making a recording of all assessments, and they will prepare a detailed report.

What insurance companies look for during an inspection

Some of the common risk’s insurance companies look for:

  • Burglary and theft – your offices will be inspected for storage and security methods.
  • Perils and fire – examining fire and construction protection systems for assessment on the risks of the contents and the building and examining its plans.
  • Engineering Insurance – surveying industrial and mechanical plants, equipment and machinery for risks and faults.
  • Liability and accidents – assessing the possible risks to customers, visitors, and employees to a site or building.

Electrical panel inspection: Any faulty wiring will be identified and ways to prevent a fire. All early hot spots with electrical panels will be found early.

Roof inspections: Your roof may be inspected by an expert inspector to look out for hail damage, wear spots, early signs of flashing issues, and life expectancy.

Interior inspections: Interior inspections include boiler and HVAC inspections which can determine proper winterization, maintenance issues, and life expectancy.

Exterior building inspection: All exterior of the building will be inspected for areas of property damage and liability. All areas will be assessed including parking, pavements, and areas where an accident might occur where someone could trip or fall.

Safety features: All checks for emergency lighting, fire extinguishers, and flooring will be completed, and a report will be conducted. These features are checked to ensure tenants are well equipped with safety equipment in case of an emergency and for liability purposes also.

Fire suppression: The last inspection report will be reviewed, and maintenance logs will be checked. Annual maintenance tests and annual checks are critical in making sure everything is in operation and pressures are adequate in the event of a fire.

Can You Get Insurance Without An Inspection?

While it is possible to get homeowners’ insurance without an inspection, they are a common step in the underwriting process. It depends on whether your house has been inspected up to the insurance company’s standard and the age of your home.

An inspection will examine whether there are any unaccounted-for risks and will be reflected in your premiums. Worse-case scenario, an insurance company can cancel a policy if they believe your home to be too high risk.

Can I Avoid It?

While it can be tempting to apply for a policy and home the insurance company doesn’t inspect your home, this is not the best way to proceed. Even if it all goes to plan, you are still committing insurance fraud and it will be hard to claim against a pre-existing condition.

Take the time to try and make necessary improvements even if they are costly. More likely than not, the insurance company will require an inspection and you could be denied.

Spending money to improve the condition of your home will also reduce the price of your insurance and it will be in better shape.

Can I Still Get Insurance If I Fail?

If you do end up failing, then don’t panic – all is not lost! Usually, you will just need to fix the problem that has been deemed uninsurable.

With minor issues, it is even possible you can be insured, but under the guarantee you make the repairs within a certain time frame. Trimming branches that hang over your roof and repairing an old roof are common contingencies that need to be acted on.

Can I Insure The Uninsurable?

Some homes are deemed too old for standard home insurance and they won’t offer a policy even if you make improvements. However, there are other options available to you.

Using a specialist company, you can still find cover for a high-risk property. It is also possible to find a policy on the excess and surplus market that might be appealing.

What Steps To Take?

It is advisable to conduct your home inspection as you will become aware of the problems before the insurance company does. That way you can make the necessary repairs and know it will be in good condition when you apply.

Otherwise, an inspection will tell you there’s nothing to worry about and you can submit that with your application right away.

What To Consider Before Booking A Property Inspection

With most insurance companies requiring an inspection before giving out a policy, there has never been a better time to be an inspector. Therefore, you need to take extra care when hiring an apparent professional.

The building inspection industry is unregulated and leaves room for people to conduct inspections that don’t tick all the necessary boxes. This is why you need to be sure of the criteria required and find someone who provides the correct service.

Were They Recommended?

The best option is to pick someone who has a verified service – either from a personal or professional recommendation. This will help ensure you are getting what you paid for and prevent any nasty surprises.

If you don’t have anyone you can ask, a thorough internet search is sure to dig up any potential dirt on your chosen company.

Ensure They Check Council Records

This is becoming an increasing problem when trying to purchase home insurance as around 20% of properties have a form of illegal building work. Insurance companies will not insure this work and it can be a huge problem for the occupants.

A thorough check will compare property plans with the house as it stands and will be able to identify work done without permission. This will prevent any hidden errors from appearing later and potentially affecting a claim.

Will The Inspection Be To Standard?

There is usually a guideline of good practice that you can find regarding inspections to educate yourself on what is required. You can then ask them specifically instead of assuming the conducted checks.

A good way to make sure your inspector is a good fit is if they are part of an organization or company.

Written Report

Ask to see an example as the quality of builders’ reports can range from verbal to written to a comprehensive guide. By receiving an example, you can be certain it is up to standard.

You will need a written report as if you discover a fault later that was pre-existing, it can become a who said what battle. It is also a document you can attach to an insurance application if required.

Will They Check The Whole House?

The roof can be one of the most unpredictable parts of a house both old and new. There can be leaks, missing panels, rust, and a whole range of other problems.

Some inspectors will check it from the ground or on a ladder, but others will physically get on the roof. If you can find someone willing to go the extra mile then you will get a far more comprehensive report that highlights all issues and potential problems.

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Contact US

Are you looking to purchase homeowner insurance and need an inspection you can trust? Or have you inherited a house that requires an in-depth look?

Whatever the reason, Dexaco Home Inspections are here to help. Give us a call or send an email to book your inspection and get your homeowning journey started today.

Dexaco Home Inspections

Phone: +1-(407)-590-4684
E-Mail: lynn.foster@dexacohomeinspections.com
Address: 4325 Linden Avenue Orlando, FL 32805, USA