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Dustin is VERY Detailed Oriented and found items and suggestions on the home that I would have never thought of, the report provided very good insight on how to move forward with the sale of the home! The staff at API was great to work with!
25 2023
Although they're kind of similar, compared to a regular home inspection, a house insurance inspection determines whether the replacement cost of your home is within the insurance company's initial estimate; on the other hand, a regular home inspection evaluates the general condition of a property. Insurance inspection will also reveal any hazards that you might not have mentioned when applying for your coverage. Your insurer may raise or lower your premium if the insurance inspector discovers that the replacement value of your house differs from the first estimate made by the insurance company.
Not all companies require an insurance inspection. The aim of the whole process is for the insurance provider to determine the cost of replacing a home. This is how the insurance provider evaluates risk in order to predict the possibility that you may have to make a claim for losses and decide how much your premium will cost. So, even though they can be conducted for a variety of reasons or even at random, these companies usually require house inspections for older properties and those located in regions more vulnerable to severe natural disasters like hurricanes, tornadoes, and wildfires. Additionally, you might have to get your house inspected before the next time your policy is up for renewal if you have been with the same home insurance company and haven't had one done recently.
A good way to be prepared for the insurance inspection is to perform a comprehensive check-up yourself before the actual inspection takes place so you won't be caught off guard by any issues. If you see any possible problems, take care of them as best you can or get in touch with a helpful contractor. Here are some of the areas you can check:
Exterior
Interior
Depending on the result of the inspection, your premium rate may change. Your rate may go up if your insurer finds out about extra liabilities not covered by the original policy or if the replacement value turns out to be more than you had originally projected. On the other hand, if your home is in a better condition compared to what was stated in your insurance claim, the company may reduce your premium.
If you are concerned about finding a reliable home inspector in your area, this is where your worries come to an end. All of the house inspectors at Atlanta Property Inspection are ASHI-certified and have the necessary expertise to identify the true problems. We also provide a warranty for each examination. All you have to do is give our representative team a call and arrange an appointment at the time that works best for you. Give us a call now!
