What Is Included on a Home Insurance Inspection Checklist
There are times when your home insurance will be cancelled by the company. This is a distressing time but the good news is that there are things that you can do to get it back. The insurance company should give you a home insurance inspection checklist to help you get your cover back. If not, do not panic; there are a few areas that always pop up on the list.
Why Is Your Insurance Being Cancelled?
The first thing that you need to do is look into why the insurance is being cancelled in the first place. This will always be something that is added to the list – even if it is not already on there. Make sure that this is fixed; otherwise you will never get your policy back.
There are times that you will not be able to “fix” the problem. Some insurance companies will cancel the cover because you have too many dogs in the home or due to the amount of claims that you have had to make over a short space of time. That does not mean your home in uninsurable; there are just a few other hoops that you will need to jump through.
The Basics on the Home Insurance Inspection Checklist
Once you have gone through the reasons for your home cover to be cancelled, it is time to look at the basics on a checklist. The first is the structure of your home. You will need to have the structure looked into to make sure that it is not a risk to you. This will cost money to have a surveyor do it so take some time to find out what the insurance company needs to see.
Repair any items that have become damaged over time, whether this is just due to wear and tear or there has been an accident. If there are no problems in the home then there are no chances that your appeal for the cover will be rejected.
Check the Drainage
This will get messy and is often disgusting but it is an important part of the home insurance inspection checklist. You will need to make sure that everything drains away from the home – including rain water, so make sure the lawn slopes away.
You should also check the gutters around your home. These need to be attached securely and need to be free from blockages. The majority of the initial checks can be done yourself, but there are times that you will need to get a plumber or other professional in to help you with this.
Clear the Stairways
The obstruction on your stairways will be part of any home insurance inspection checklist and you will need to make sure that these are cleared. You will also need to check any paths and doorways you have too and make sure these are clear.
Check your railings, fencing and stones to ensure they are all secure. The inspector will make sure there are very few chances of an accident happening so there are fewer chances of you making a claim on the insurance – the companies want to pay out just as little as you want to pay the premiums.
The Flooring is On the List
Any home insurance inspection checklist will have flooring on it, whether you have tiles, wood or carpet. The first thing you will need to look into is water damage. Make sure that any water damage has been repaired because this will affect the safety of your home. This is especially needed around plumbing.
You will need to check the floorboards to make sure they are safe. This often involves getting under the house to check for. Also, test for any soft spots around the home – this will help to avoid any unnecessary accidents happening.
When it comes to renewing or appealing a home insurance cancellation, you will need to go through a home insurance inspection checklist. This is something that the company should give you and you should always ask for one if they do not. The points above are just a guide but each company is different.