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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


Household Contents Insurance & What to Expect from a Home Insurance Claim

Inspecting Home Insurance Claims

It is a wise decision to invest in home contents insurance that will provide coverage for your possessions against theft, fire, and other types of risks, including accidental damage. If something should happen that damages or destroys your valuables, it may cost a significant amount to replace these items, and many of these might be essential.

Here is more information on what home contents insurance typically covers, tips on choosing the right policy, and potential issues that can arise when making insurance claims. Learn more at https://www.quotedevil.ie/house-insurance about the types of cover options that allow claims.

What Is Home Contents Insurance?

Home contents insurance is a policy that provides coverage against damage, theft, or loss to your home and personal possessions. These policies can also provide coverage for items that you take out of your home when you go on a holiday, as an example.
This type of insurance will cover your personal possessions and the items of family members that live with you. It usually won’t cover items of value for any person that is only staying in your house temporarily. It is not mandatory to invest in this type of insurance. However, it is regarded as wise since if any of the contents in your home are damaged, stolen, or lost, you will be forced to buy new items to replace these valuables.

What Can You Expect From Policy

The policy that you decide on should cover any damages that result from a fire, theft, storms, or flooding. You may need to pay in extra to cover any accidental damage or loss to your items of value. This might be a worthwhile consideration when you have pets or children.

With home contents insurance you can also expect to pay more to cover any items that you plan to take out of the home such as jewellery or a camera. Your policy also may not include the food that you keep in your freezer or your mobile phone. There also may be upper limits on single items.

Many of these policies also carry an “excess”. This will mean that you are not covered under a certain amount. The standard excess is anything from £50 and £100.

Many of these policies also provide what is known as “new for old” cover. This will mean that you will receive a replacement cost in full for items that are damaged, stolen, or lost. However, certain policies only offer an amount that the item is worth currently when you claim. You need to ensure that you understand what the policy offers to replace when deciding on what is best for your needs.

Home contents insurance may also pay out a lump sum should you die from an accident, theft, or fire in your home. These policies also provide coverage is someone dies or is injured while visiting you.

Do You Need Contents Cover When Renting?

If you currently rent a property, it is important to establish whether you need to insure contents that belong to the landlord. You may be held liable to replace items if they are damaged or lost.

What You Need To Know About Taking Out A Policy

Before you decide on a policy, the first step involves figuring out the amount of coverage that you need, which is based on a cost to replace all the items that belong to you. Many homeowners make the mistake of under-insuring themselves, which is why it is important to include all types of items, from flooring or carpeting to all the items in your shed or garage. You should also obtain numerous quotes before you decide on the right policy.

Bedroom Rated And Sum-Insured Policies

Policies for home insurance contents are typically worked on the rooms in a home. This policy is known as a bedroom-rated policy. The policy can also be worked out on the value of the possessions and contents that you own. This policy is known as a sum-insured policy.

Your premium may work out higher when you take out a bedroom-rated policy, yet these typically provide more cover.

It is important to compare the following:
  • What each of the policies covers along with any exclusions
  • The premium amount you are expected to pay
  • The excess amount you will need to pay in yourself
  • The no-claims bonus that should increase every year provided you do not make any claims
  • Any additional conditions such as leaving your house unoccupied (over a long period)

It is also important to provide the insurer with all the information that they need, which could affect their final decision to provide you with insurance, and the amount they plan to charge. You should also let the insurer know about any changes to your current circumstances.

Issues With Insurance Claims

If you made the mistake of underinsuring yourself, your insurer might only pay out a portion of a claim. There may be limits in place according to what you are able to claim for on single items.

If your insurance does not include a “new for old” policy, your items are not covered for general wear-and-tear for that item. Your policy may state that the insurer will offer replacement items as opposed to a monetary value to replace the item. If a single item from a set such as a lounge suit is damaged, it may be difficult or impossible to find a replacement that matches the set. In these events, an insurer should pay out an amount towards the item that was damaged, along with the items that were undamaged.

How To Prepare And What To Expect From A Home Inspection

If you have just bought a new home and you need insurance, the first thing to consider is to work out what to insure the home for. Many people use the purchase price of the home to work out how much coverage they need. However, this value is often inaccurate. To ensure that you are investing in the right home insurance policy, the insurance provider will carry out an inspection of your home to help you decide on an accurate value and to make sure you have the correct level of insurance.

The Advantages Of A Home Insurance Inspection

There are 3 advantages that home inspections often provide:

  • To begin with, it helps you to identify any potential risks which could cause losses or safety risks. This helps you to address these issues in order to avoid making a claim.
  • Secondly, it can help you to find areas around your home where you may be eligible for a discount on the policy.
  • Thirdly, an inspection can ensure that that the value of the insured dwelling isn’t too low or high.
  • What Does an Inspector Look For?

    Inspectors for home insurance look for 3 main things when inspecting homes. They first look for any areas where you can increase safety or security. These searches typically including finding liability risks that have to do with how you have maintained the property or potential fire-hazards.

    If your house contains clutter (unusual amounts), indicates signals of water damage (old), or has mould, the inspector will note these issues. If you have an issue that you plan to fix, rather let the inspector know, as this can help when working out your premium.

    Home insurance inspectors will also measure the building and look for any special features, along with inspecting the types of materials that were used to construct your home. For example, they will note features such as high ceilings, additional structures, specialty, or marble floors.

    Thirdly they will also check on any updates made to your rood, windows, heating, plumbing, and your electrical system.

    Tips On How To Prepare For Your Home Inspection

    You should try to prepare your home in advance for your inspection. Here are a few handy tips to keep in mind:

    • Provide documentation that shows the square footage and measurements of the home
    • Details that show the costs involved for any interior-design work or renovations
    • Information on your water sensors, alarm system, water-prevention devices, or any other security features (this may help you to get a discount on your premium)
    • List any updates made to your electrical system, heating, plumbing, roof, or windows

    You should also ensure that your house is clean and tidy by hiring a professional cleaner. Examine your living areas and think about accident prevention and any fire hazards. For example, make sure all your walking areas are kept clear so that people are able to walk around safely.

    What Should You Do After Your Inspection

    After a home inspection, the insurance company may send you recommendations. These are suggestions to help you to avoid making a claim. Recommendations are usually either requirements or suggestions on how to improve your property to make it safer. You should read over these suggestions with care. Your policy may be cancelled should you fail to complete any of the requirements. If you feel that any of the suggestions are unreasonable, you can negotiate with the insurance provider.

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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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