Tips to Know Before Insurance Home Inspection

Most buyers decide to take advantage of professional home inspectors with an idea to determine a particular problem to a house before buying.

However, if you are a seller, you can also determine your household’s current condition so that you can make necessary repairs before you decide to sell it.

The same thing works for insurance home inspection that will determine potential liabilities and provide you recommendations you need to follow to maintain coverage.

Therefore, you should focus on particular spots that inspectors will check out and handle before they arrive. You will be able to get eligible for a discount on premium for home insurance, which is an important consideration to remember.

That is the main reason why you should consider these parts of your household before the inspectors arrive.

Crawlspaces and Basements

You should know that mold odors and stains could lead to severe construction issues. Therefore, if you have black mold evidence, you need to do something about it before inspectors come to your house.

Remember that your premiums will go up if you neglect the importance of handling visible stains of mold infestation. Therefore, you will not get an acceptable offer, and you may even be rejected due to the current condition.

Unless you wish to reduce the motivation, you can treat the mold by finding proper experts to help you with the process. We recommend you address this particular problem by finding professional mold remediation before they reach your household.

Keep in mind that mold and mildew tend to grow and expand in humid areas. The signs of mold mean that your basement is too humid and that you need to do something about it. Most home inspectors will check for signs of dampness and mildew.

In some cases, inspectors will use devices to measure the moisture levels in particular areas such as the basement and attic. Remember that high humidity can lead to structural problems and will deteriorate building materials, among other things.

In case you neglect mold and humidity issues, you will end up with foundation leaks, which can affect your household’s overall structural integrity and safety. The best way to address this issue is to ensure that your gutters are clean so that rainwater can flow downspouts.

At the same time, you should point downspouts away from your household to avoid wetting a foundation. From time to time, you can check out the water flow through drainage lines. If the water comes back to you, it means that you should do something about it.

Finally, if you have foundation issues, you will need to think about the general renovation that will increase its stability and longevity. You should check here to learn how to reduce the humidity issues within your basement.

Chimneys and Roof

Apart from the basement and attic, it would help if you thought about other areas within your household, including the roof coverings and shingles.

In case you have deteriorated roof coverings or shingles, inspectors will notice from far away. Simultaneously, rotted and moist elements beneath the shingles are also problematic and can lead to severe problems unless you address the problem.

In some states, you will need to conduct a specific inspection just for roofing. Therefore, you need to make sure that flashing around the chimney is watertight and that bricks are perfect.

It would be best if you also inspected your fireplace to determine whether it works properly or not.


Similar to humidity levels, leakage can lead to severe issues. That is the main reason why you need to address all plumbing problems before the inspection takes place.

Most inspectors will check out the water pressure by turning on different faucets at the same time. They will also assess the situation of your septic system, among other things.

You need to address plumbing problems as soon as you notice them because severe water damage can reduce your household’s overall value.

Electrical Systems

Finally, your circuit breaker and electrical panel configuration should be based on your requirement and needs. Of course, you need to follow building codes and understand the advancements that happened.

Check out this site: to learn more about electrical standards and codes.

These systems tend to change over the years, which is why you need to review current codes with the ones you have. Keep in mind that inspectors will check out receptacles by using GFI in kitchens and bathrooms.